It is possible to get instant quotes online - but they tend to be adjusted after the fact by an underwriter.

I always do a standard liability and dwelling (fire) coverage at cash value.

Personally, I would see solar panels on a house and think instant savings on energy costs.

If you are looking to keep buying rentals are you looking for long term holding or instant cash flow?

Make sure you check with zoning about having two dwelling units on one parcel as that is often an issue as well.

Since you are dealing with SFH's you have the option of insuring them individually under a Dwelling Fire policy. 

The terms of this chapter apply to individual dwelling units within a building, including condominium or cooperative units in the process of being converted, or having been converted, rather than to an individual tenant occupying a dwelling unit.Exceptions.

I told them I would begin marketing it myself as well to see what traction I could get and had an instant hit of requests (obviously not all qualified) but was able to do 3 showings the next day.    

There are also specific homes that have great layouts to convert existing living space into a separate dwelling with a private entrance. 

Hi Brandon1) yes the land and dwelling were separated out initially for depreciation purposes2) maybe this was mistake but i thought first 30K was taxed?