Normally this would be things like, siding, roof, outside fixtures, things of that nature.When you get insurance you would be getting a condo dwelling "fire policy" which would cover "studs in" aka the inside of the condo.

Visit the Secondary Unit Ordinance webpage to see the new changes: https://www.sanjoseca.gov/business/development-services-permit-center/accessory-dwelling-units-adus/secondary-unit-ordinance-updates2019 ADU ORDINANCE CHANGESThe City Council voted on Dec. 17, 2019 to update San Jose's zoning code pertaining to ADUs to align with new California State laws that go into effect on Jan. 1, 2020.

Raleigh area could use some more affordable mixed-use / multi family dwellings.  

Roughly how much more does a blanket insurance policy and commercial loan cost than doing it the typical quitclaim/due on sale clause/dwelling fire policy way?

Let us dwell on it...What is important to understand, and Brian will agree with this, is that people who have significant money to invest have many options in their financial lives.

With a dwelling intended as a residence, that casts a wide net.

The ones that do need fixing are in the older parts of Irvine, and unfortunately, I feel that for the prices they run for, you may as well purchase a new dwelling for a little bit more.

My current three properties all have Rental Dwelling Insurance, not commercial.

@Krishna D. Well

I get a policy to cover the dwelling only, no personal property inside.