HO6 (tenant occupied) in NC

[Cameron Lee Brown]

I currently have a DP3 policy through ASI (Progressive) on my townhome in Durham, NC. I was recently informed by ASI that they would be dropping my coverage. I called them and they said that I had the wrong policy. I need a HO6 tenant-occupied policy because the HOA's insurance covers the exterior, but they don't provide that type of coverage in the State of North Carolina. I called Progressive to see if they could switch me to a different underwriter, but of the 6 different subsidiaries that they use, none of them will insure a tenant-occupied townhome. The rep said that my case was unusual and that they rarely get requests for tenant-occupied townhomes. I feel like that's weird. There must be tons of landlords in NC with townhomes in their portfolio. What are other landlords in NC doing to insurance their townhome rentals? Is a HO6 policy the correct choice?