the policy I carry on each of my property are Special form policy, in addition to the standard fire policy, it carries additional riders including
1. loss of rent up to 1 year (in case of fire)
2. landlord liability up to $500,000
3. medical payments
4. coverage for fungi, wet rot, dry rot and bacteria limited to 11,175.
just ask your agent, they should be able to help out.
hope this help.