Like others stated above - If the  property was damaged and under repair then yes you should be able to collect for loss of revenue on that policy.Most commercial policies can include an endorsement for that type of loss but I have not seen a dedicated commercial policy for short term rental from any of the carriers I deal with (yet).I hope that helps.

Prices on Trane and Carrier equipement will come with a higher cost.Feel free to call me if you have any questions. 

Does anyone recommend a nationwide insurance carrier for SFR's, MF's, as well as my home?

Most hard money lenders will give you money for the short term, sometimes even 3 years, but the interest is high. 203K loan is an FHA type loan and carrier a much lower interest rate and will help fund the repairs.

Correct, and also I'm not sure if the carrier won't deny a claim with the excuse that i wasn't a landlord and i don't have any lease with the occupants.

Different insurance carriers are going to call it different things, but generally speaking, the two are probably one and the same.

I had thought of the postal carrier, but not much else.

@JR M. there are not many of us agents who are versed and have the access to insurance carriers to help investors with multi state / out of state investing. 

Joshua, the companies you are mentioning are companies that are currently competitive in the market place.I have found Seneca to not be crazy about complexes over 50 units.Keep in mind the seller may be insuring at a lower building value compared to your purchase price.There are a few more carriers I would recommend trying . 

Our agency specializes in property insurance and represents about 40 insurance carriers who can write this type of coverage.Let me know if you'd like to touch base an discuss further what we can offer.- Anthony