Everytime we get a cold spell in The winter the media will start with the panic alerts days before and call the storm a “ polar vortex” or “ arctic blast “ or “ bomb cyclone” All schools and works is cancelled everyone panics and buys generators and loads up on cases of water.

It covers plumbing, refrigerator, electrical, heating, water heater, oven, A/C, the dryer, and smoke detectors.

Talk with a local insurance agent.Despite what the listing says, most MFR do not have separate water/sewer.

I figured adding these too my duplex before moving tenants in will help then pay rent on time a lot better if their utilities are cheaper, But what about water,sewer,gas.

Don't give keys until it is set up.You may be on the hook for a couple days of water - but nobody is living there so who cares?

In other areas, water and even electric are sometimes provided by the municipality. 

The electricity and water have been off for a while.

I'd check with the water department.What about lawn care and snow removal?

It's cold.

Landlord is paying water and sewage.