That and I probably got every known cold virus during my undergraduate years at Penn State Erie so my immune system is ballin' with virus DNA.Things we should worry more about: GMOs, Roundup, mosquitoes, a government drowning in debt and printing more money, fluoride in the water, 5G, bad landlord laws, worrying where our food comes from. 

It covers plumbing, refrigerator, electrical, heating, water heater, oven, A/C, the dryer, and smoke detectors.

Talk with a local insurance agent.Despite what the listing says, most MFR do not have separate water/sewer.

I figured adding these too my duplex before moving tenants in will help then pay rent on time a lot better if their utilities are cheaper, But what about water,sewer,gas.

Don't give keys until it is set up.You may be on the hook for a couple days of water - but nobody is living there so who cares?

In other areas, water and even electric are sometimes provided by the municipality. 

The electricity and water have been off for a while.

I'd check with the water department.What about lawn care and snow removal?

Landlord is paying water and sewage.

I closed on my first property last June and have since had the water heater and furnace stolen, repairs over budget by about $7k to get the CoC, and now have a tenant that occasionally pays rent.