@Evan Parker you can go to the cities comprehensive plan to find out.

If it's not in a flood zone, a separate flood insurance policy is not required, however, you want to read your policy carefully to understand your flood coverage.

Where do you get your medical coverage if not covered by a significant other?

Where do you get your medical coverage if not covered by a significant other?

It seems like the driving factor for the cost is how much building coverage one gets so how much should I get?

There is simply no way to show a debt coverage ratio to the bank. 

There is good tree coverage so they would not be an eye sore to your tenants and could be an asset to them. 

Therefore I am turning to you all for help from those with more experience.I have recently obtained a quote and coverage option for owner's title insurance on a long term buy and hold from my title agency. 

If you have good insurance with rent loss coverage, are not over leveraged (low mortgage costs), and live below your means it’s easier to absorb hits.

And as others said, see how having dogs on the property might impact your insurance coverage.