Hi, I'm getting mixed messages from my insurance broker and lender, and I don't know who to trust so I'm looking for some expert advise. I am trying to insure a property which by the looks of it is a townhouse (attached to neighbors, shares structure with neighboring units, garage per unit etc). The title claims single family residence & it's a PUD. However, the association has a master policy of insurance that makes it sound like a condo (master policy covers "walls in excluding betterments"). Now, my lender requires the insurance to be HO-3 to match the "property type" (SFR, townhouse), whereas my insurance broker claims HO-6 is sufficient. My insurance broker goes so far to say that an HO-3 policy is likely invalid and won't pass underwriting. As far as I understand, HO-6 together with the master policy will cover all aspects of the unit, so I'm not sure what the conflict is about. Has anyone dealt with something similar before? Appreciate any advice!