Is Aircover liability only or does it cover dwelling?

The way I interpret the following policy clause is that so long as the property is defined as other than "VACANT" which is the case when the property is being "constructed, altered or repaired", the 30-day time period and vacant status does not apply in this instance: We do not insure any loss at your premises if your dwelling has been vacant for more than 30 consecutive days immediately before the loss and the declaration page indicates an occupancy other than “VACANT“.

Urban Lot Splits (ULS) allow you to divide a lot into 2 parcels, and Multi-Dwelling Unit Developments (MDUD) are allowed up to 2 units per lot.

Consider an accessory dwelling unit (ADU): If your property allows for it, building an ADU (like a small apartment or guest house) can provide a separate rental unit while you live in the main house.2.

I've had pretty good success the last couple years with a combination of house hacking and building Accessory Dwelling Units.

This restrictive definition can pose challenges for co-living arrangements, which may involve unrelated individuals sharing a dwelling.

CO states single dwelling (converting to a 2fam will cost upward of $100k- not an option).If I hold out- the property will have net profit of $600- possibly more if I refi again to bring my rate down. 

That will cost us about $4.8K out of pocket (our insurance deductible under our Rental Dwelling policy). 

If the property is solely tenant occupied you will be looking for a Dwelling/Fire Policy (may be called a Landlord policy or similar name) or a commercial policy such as a Business Qwners or Package policy.Most homeowners or dwelling/fire policies include:1.

Here's some input to help guide the decision between selling or renting the property, considering the specifics of the property and the potential additions like the ADU (Accessory Dwelling Unit):1.