Glad you found a good deal, Curly!
I just wanted to add, for anyone here who's a landlord, landlord insurance--which is a special type of homeowner's insurance--also includes lost rent. For instance, if some covered thing (fire, tree branch, whatever) damages your house/building to the point that any unit is uninhabitable, the insurance will pay you "rent" each month while it's being fixed.
Insurance is well worth it, BUT, insurance companies are generally scum and will try not to cover anything that's not obviously covered. So there are pros and cons, but for what is obviously covered it's well worth it, and for what's not obviously covered, argue like hell and consult a lawyer. Also, read your policy before you sign. One major red flag is a policy that contains an arbitration clause, especially an arbitration clause that says anything about how the policy should be interpreted--the courts in most states have established ways of interpreting insurance contracts that are very pro-homeowner, such that if there's any doubt about coverage then you, the homeowner, automatically win. In other words, unless it's absolutely clear that your loss is definitely not covered, the insurance company loses and has to pay your claim. But lately some insurers have started putting in arbitration clauses that not only keep you out of court, but also completely negate those established rules of law, which swings things heavily in favor of the insurer. You do NOT want that.