If a pipe bursts in the middle of the night, you want them to call the company YOU have already vetted, and not some random contractor off the Internet. 

If you had it for sale but NOT listed on the MLS, then there is typically not a way of knowing it was up for sale recently (unless its blasted all over the internet by the seller).

If so, were permits pulled & were they installed by a professional5.Are any of the homes rented to students6.Is there a flat roof7.are there asbestos shinglesThe Year that the following were updated (either partially or fully) would be good to know:- Heating systems- Roof- Plumbing- electricalSome companies will not write properties with systems that have not been updated.If the property is solely tenant occupied you will be looking for a Dwelling/Fire Policy (may be called a Landord policy or similar name) or a commercial policy such as a Businessowners or Package polciy.Most dwelliing/fire policies include or you can add:1.

Supposedly one sibling is rogue living off radar in the cabin in the woods with no internet....  

Yes, construction costs are high, and a newly constructed ADU is not going to appraise as high as a traditional dwelling.

You can research aggressive breeds on the internet fairly quickly if you don't already have a list. 

We have about 2 dozen companies that write Dwelling Fire Insurance for 1-4 family rented houses. 

(D)(ii) The lot is zoned to allow single-family or multifamily dwelling residential use and includes a proposed or existing single-family dwelling.Looks like they removed the requirement for the existing structure to be a single-family dwelling.Just skimming through the actual code here: ARTICLE 2.

Hi @Bernice Monroe,With you being the primary owner of the property, your homeowners policy would cover the dwelling, and all other items within the home, as defined by your policy.

That might have been true decades ago, but the reality of your chosen path is that everything you need to be successful in REI exists on the internet.