You may want to see about an umbrella insurance policy. 

That way it goes around FB policy.

The insurance company got back saying they won't be paying anything towards this invoice, since my policy does not cover cost of fire department, when the city where the property is located is the same as the fire department that put out the fire.

My previous insurance company doesn't write policies for these anymore.Which companies will write a policy for an occupied property that I don't have access to yet?

I would say "my typical policy for a shorter term lease is an additional charge of $xxx per month.

Hi,Our insurance provider for HOA wants the policy to be ended after we transitioned into a new property management company.We are looking for General Liability, Theft, Earthquake, etc keeping all the limits that we currently have.

I tell them my price, we talk contract, title policy, survey, earnest money, financing and my non-desire for any commission.  

If I were to tweak, I'd suggest the following:Closing costs: $3000 - up this to $7000; unless you're paying cash, then $5000Electricity: $120/unit - change to zero.

a specific quote from the actual HUD guidance,"HUD is providing this guidance to help housing providers distinguish between a person with a nonobvious disability who has a legitimate need for an assistance animal and a person without adisability who simply wants to have a pet or avoid the costs and limitations imposed by housingproviders’ pet policies, such as pet fees or deposits."  

Not a huge amount, but it's more than I started with (which was zero!)