Standalone Umbrella Policies, Does It Cover?

[Guest]

HMMM, I took at as he had 4 rental homes he wanted covered......

if there are 4 plexes, write it on a CL policy and you should be able to find an umbrella for that

 

[iiinycboi]

The problem is when you say apartment buildings, you can't write apartment buildings on a personal umbrella. At least, not with my impression of what an apartment building is.

You can write a 4-plex on a personal umbrella though.

I'm wondering if the term 'building', which is generally thought of as a commercial term, is throwing this off?????

Dan

My screen for NY wont even let me put any type of buildings other than owner occupied. Basically heres the situation

3 family home (owner occupied w/ first and second floor rented out), a 2 family home (rented out first and second floor to 2 families) two personal auto.

Personalumb. will only let me write the 3family home plus 2 personal auto, they wont cover the 2 family home though.
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spoke to underwriting again and getting so confused. lol

for homeowners, 2 family home, if you live in it and rent out the first floor is this tenant occupied or owner occupied for the homeowner app.

Now with above situation, personal umbrella said they will not cover any homes with any tenants living there at all.