Many insurance carriers didn't accept this type of policy so you'll have to call around. 

@Brandon Carriere I agree Denver could be nearing the peak but its just hard to ignore the fact that houses are going up in value 10% a year in some areas.

Critically important:  once completed, notify your insurance carrier that you own a 2-unit home. 

Originally posted by @Brandon Carriere:@Maurice SmithThere may not be any cash flow..

Every carrier is different on their coverage with weather-related damages.

@Brandon Carriere I am leaning that direction.

Smaller properties dont have a lot of room for error so shop around for a good PM and insurance carrier and make sure your payroll expense is on point.

just look at it mathematically lets say the rent is 1k a month you just lost 4k.. lets say you dropped rent first few weeks by 100.. and it rented.. it would take you 40 months to break even.. also just as an aside do check with your insurance carrier many times you have small print that says your insurance will not cover you if home is vacant more than 60 or 90 days.. you need to add a vacant home ryder..

No Admitted A carrier will touch you.

The claim should be assigned a claims adjuster by the carrier who will have specific information for you.