"For residential apartment buildings with more than 2 apartments inside, we would write the quote as an “Apartment Policy”. The quote I sent to you reflects this. The only way it would be different for us would be if this was a two family home, you lived in the one apartment and someone else rented out the other-then we could write this as a home owners policy. Once there are more than 2 apartments in the building, we have to write the policy as an apartment policy, even if you are living in one of the apartments.
"For residential apartment buildings with more than 2 apartments inside, we would write the quote as an “Apartment Policy”. The quote I sent to you reflects this. The only way it would be different for us would be if this was a two family home, you lived in the one apartment and someone else rented out the other-then we could write this as a home owners policy. Once there are more than 2 apartments in the building, we have to write the policy as an apartment policy, even if you are living in one of the apartments.
Ethan, each insurance carrier has different underwriting guidelines. The statement above is true for that particular company, but may not hold true for others.
another alternative would be to insure the building as a commercial apattment/ business, and then purchase a renters policy for yourself. It's not ideal, but could be a viable alternative when there are only expensive options on the table.