HOI question- 4plex non own occ - title in personal name

[Paul Bickle]

If I am purchasing a non-owner occupied 4 Plex that is titled to my personal name. Shouid I get a personal lines, DP policy ? Or a habitational commercial policy? I have one insurance agent recommending a personal lines DP-3 or DP-2 and another agent recommending a commercial habitational policy? The personal lines agent is telling me that a commercial policy is not what I want as it is titled to my name and not a business or LLC. Does this sound correct? Any insight would be much appreciated.