Yup, exactly! I am trying to see if I can get an exception from some of my underwrites to just write the standard ho3 but not sure thats going to work.
If you quote it correctly, it's going to be expensive as heck. Then the person will shop & find some captive agent who'll quote it as a regular homeowner's & look like a hero. Make sure you set a solid expectation to the lender so you don't look like an *** when this happens.