I know notice is needed to access the dwelling. 

@Nerissa MarburyIf you have a Habitat for Humanity Restore where you live, I’d go there.

Many carrier will use the replacement cost as baseline for dwelling coverage.

Tom,About the only thing that was accurate on what you were told was that a Homeowners Policy is not the right type of coverage for a non-owner occupied dwelling. 

Just because someone is ignorant, doesn't make them a horrible human being.

Bankers are humans too and it’s just as much our responsibility as it is theirs to make sure they take care of our needs.When in doubt, pay for additional inspections for added reassurance.  

Giant, bureaucratic corporate behemoth must have SOME human being with actual knowledge and the willingness to disperse it, right? 

Regardless of where a family is from or what class of housing you provide, the dwelling must be safe.

No human error in typing it in.

Thanks, StephanieAccording to one of the local Homestyle lenders, an accessory dwelling unit aka ADU aka guest house does NOT qualify as a one unit dwelling if the home is an investment property.