How to Phase in Landlord Insurance Policy

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My 9 unit MF is about two weeks from being ready to rent.  I have run into a bit of a snag concerning insurance.  My agent says that I can't put my landlord policy in place on the 5 unit building until I have at least 3 tenants (unit needs at least 30% occupancy before it is no longer considered vacant -- I currently have a vacant building policy on it). The 4 detached units are not an issue because I can add them to the landlord policy one at a time.

How do you usually handle a situation like this on attached units when trying to meet the occupancy rates for a landlord policy?  

Should I pre-lease until I get three tenants and have them all move in at the same time -- say July 15th or 30th?  Or just put tenants in one at a time and keep the vacant policy in place until I have enough tenants to also put the landlord policy in place?