I have a 4 plex ready to go. Two units are year round, two are mid term. I have been having a heck of a time finding insurance. My insurance agent tried Allstate but they said all units need to be occupied before they write a policy. I’ve heard terrible things about Obie and Steadily. Proper insurance is crazy expensive. My insurance agent found two others but both required an automatic water turn off at the main valve but it’s physically impossible to put one there. I have my first tenant moving in next week!