I just got coverage through a local independent agent.  

Same policy but a builders risk, so it covers tools, materials and build out on the property side, and picks up the perils of theft and water damage on the coverage side (yes theft and water damage are excluded on a vacant policy) that policy on a year renovators risk is about $1200.

Most regular homeowners policies will not provide coverage if the home is not owner occupied.

COVERAGE DESCRIPTION PREMIUM================================================================================SL2 250/500/100 U/L AUTO/MC SURCHG 54.00$250/500/100 UnderlyingSL5 300 CSL U/L RENTAL UNIT SURCHG 137.00SR ADD'L RENTAL UNIT SURCHARGE 96.005A PERSONAL LIABILITY COVERAGE 212.00BASE PACKAGE (1 Res. + 2 Autos)7A MIN U/L CPL/HOMEOWNER CSL7BS MIN U/L AUTO/MC SPLIT LIMITS$1,000,000 LIMIT$300,000 LIMIT$250/ $500/ $100 (THOUSANDS)SUBTOTAL PREMIUM : $499.00TOTAL POLICY PREMIUM : $499.00(FULLY EARNED) POLICY FEE : $37.00TOTAL POLICY CHARGE : $536.00Thomas S.undefined

One other direction that I did not see mentioned here is adding more personal insurance coverage, i.e. an umbrella policy. 

I have listened to a lot of Podcasts (BP & others) and read a lot of books, and there is tons of discussion and coverage on how people become wholesalers, how they run their wholesale businesses, how to get leads as a wholesaler etc.

Plus, with holding your license under a brokerage you probably have E&O coverage (which covers in case you get sued).

Brandon turner's rental book is great, very comprehensive info in there.https://get.biggerpockets.com/rentalbook/

I also do business in three states so even when I found a local attorney that kind of knew what I wanted, they could not provide a comprehensive plan for my overall situation.

Anything prior to that would have to be done via an OPRA request or a visit to the building department.JC OPRA:http://www.cityofjerseycity.com/cityclerk/NJ state DEP:http://www.nj.gov/dep/opra/The NJ state DEP also maintains a very comprehensive database of environmental issues online via their dataminer.