.: I'm looking for some Dwelling/Fire insurance providers in Illinois with higher reconstruction caps/ dwelling liability.

Usually personal property is anything that is not permanently  attached to the dwelling.

I suspect the reason you're being dropped is because of how the policy was written originally with regards to the two dwellings or they general issue with two dwellings on the same parcel.It's all about the reasoning for the cancellation and the communication up front about the actual property characteristics.One way or another if the properties are in good condition you should be able to get coverage.

• The dwelling must cover 100% of the rebuild cost estimate OR the dwelling must cover the loan amount, provided it equals no less than 80% of the rebuild cost estimate. i asked because the price for a 4 plex cost 180k and the replacement cost is calculated by the insurance agent as 1M to 2M due to which the insurance premium went high.

So I think the # of dwellings lost in the 2016 fire was around 2400, but not all of them would have been rentals but probably most of them were I am guessing.

USAA inquires about previous attacks human or animal and that was all for mine.

Watch YouTube videos, take classes, attend Home Depot weekend 'How-To' demonstrations, volunteer with 'Habitat For Humanity'....anything will help you get ready for your new career when you are ready. 

As far as a know, if it is not a part of the lease for the dwelling then the same rules do not apply.

Since you are in an owner-occupied dwelling of less than four units, federal law does not require you to accept ESAs.

You should have actual dwelling insurance to insure the property.