Inspections came back (for a previous buyer) with zero repair notes.

His policy is still active.

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.