California Fair Plan fire coverage - Dwelling or Commercial for 4 Plex Owned by LLC?

[Zeb Wallace]

Hi folks,

I'm in the home stretch of picking up a (very) expensive California Fair Plan (CFP) policy to get fire coverage for a 4 Plex since State Farm has dropped me.

My questions is - CFP seems to classify 4 units or less as a "Dwelling" policy and 5 units or more as "Commercial", but they also seem to say that "Business owned" properties are Commercial. I have a single member LLC that owns my 4 plex. Do you think I should be going for Dwelling coverage or Commercial coverage?

Any guidance is appreciated!