I spoke to my agent and they mentioned that I have all the discounts and it will go down as I stay with them longer, they also mentioned the other people might not have the coverage I am getting.

They also are getting coverage from their own rental insurance.

Is there a permeable land coverage % required per code. 5.  

You can obtain umbrella liability coverage that is pretty reasonable.

Jerry -I don't imagine there are any legal issues with using a GC instead of a mold remediation company, though I'm no expert in this area, and I could be wrong.Here are some things to consider:- Make sure the GC is licensed, insured and bonded in your jurisdiction to provide the most liability coverage possible;- A mold remediation company will likely provide a warranty for the work should the mold return or if the third-party test comes back as the problem not being fixed.

Other types of coverage such as errors and ommissions are also available.

I was reading an article (from the REI Expo magazine, if you're curious) and it mentioned "coverage against rental income interruption" and "tenant-paid rental protection plans.

Flood coverage can be substantial, so always get a firm quote. 

No coverage for damages from "Business pursuits or business property of an insured" Is 'renting' meeting the definition of business pursuits?)

It's just an exclusion from coverage.