The mortgage market is healthy so there are several ways for income to be calculated including but not limited too: full income verification of two years W-2's or tax returns, 1-2 years of a 1099, average deposits of 12-24 months of personal or (50%) of business bank statements, an up to date P&L, DSCR (debt service coverage ratio) or rental income (investment properties only). - Appraisal.

As you said, having 6 months of rent coverage Is extremely important.

As far as the other units most policies have "building and ordinance" clauses which proved some coverage if you have to update to "Code" but if the other units aren't damaged and are still up to code I wouldn't think there would be an extra coverage provided.I urge you to go into the process treating the insurance company as a partner not as their going to screw you no matter what :). 

Typically, you can purchase an umbrella policy for as little as $300-600 annually that offers a million dollars of liability coverage.

We bought much of the furniture new, choosing premium quality for the main rooms, and supplemented with discount deals online or some lightly used items.

Losing insurance coverage could very well be deemed "unreasonable" by a Fair Housing hearing officer.

You will get one maybe 80% of what you want and have to adjust systems or supplement from there IMO.Choose wisely, switching is a big PITA

This typically voids the coverage and the claim is then "conveniently" denied.Check out what the nonprofit, Consumers Reports has to say about them:https://www.consumerreports.org/buying-a-home/what-to-know-a...

I have a small health care benefit from my local government career, and I have VA health care since I'm ex-military but it's not as good as it used to be (too many people in the system, too few providers at the VA) so I am planning on buying a supplement on the marketplace when open enrollment comes in November.

KW Specialty6.Delos InsuranceAnd a few other smaller onesI recommended my Farmers contact mainly because she is also a broker and can check for other coverage.