Don’t get to exact figuring out your coverage needs, it is really cheap, go for the higher number.E.

When the death benefit is paid, it is the sum of the cash value and the additional coverage provided by the company.

However, did raise the coverage to $300K.

The company that @Jason Bott is referring to is the same company you can find in the profile if @Tim Norris .Builder's risk coverage plus liability coverage is what would be recommended.  

Some of these are getting down to 15% down payment and a coverage 1.2 (I've even heard of one going down to 1.0).

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.