Legally speaking; A service animal means any dog that is individually trained to do work or perform tasks for the benefit of an individual with a disability, including a physical, sensory, psychiatric, intellectual, or other mental disability.

You need to look at each situation individually and analyze it like you would any other financial transaction.

(C) "Vendor" means any individual, partnership, corporation, association, trust, or any other group of individuals however organized making a sale of property by means of a land installment contract.

This particular property is quite unique (Side by side duplex with 3 beds and 2 baths per side, hardwood floors, and completely updated...oh, and the last house on a cul de sac with almost no other multis in the entire town). 

Now you need to find what the CC&R's or other documents that were filed with the creation of the individually titled units are. 

Real estate is unique in that one can create significant capital out of nothing but knowledge.  

I won't deal with a carrier that needs to do pictures or individual policies on each home.  

It should not be too different than a 4 plex with a few basic assumptions like similar age etc.Are the units individually metered or is it all bills paid?  

Shop around a bit and you will find someone that will work for you as an individual and not charge the insurance rates.

Without us, damaged inventory would stay put a lot longer and both the individual home owner and the market as a whole would suffer for it.