Insurance Coverages

[Chet Jennings]

Hello DP, newbie looking to purchase my first duplex (1700sq ft, block construstion, asphalt shingle roof, approx $100K purchase price) and was wondering what type of insurance coverages and limits should I need?  My agent is quoting me:

Fire hazard policy with replacement cost at $203K (approx. $120sq/ft)

Personal Property - $10K (wouldn't think needed, only a few appliances value <$1500)

Liability - $300K - this is the biggest ?? I have

Medical Payments - $3k - Needed??

Fair Rental Value - $20,300 - This cover loss of use??

Thanks for any and all responses.