So we're building an Accessory Dwelling Unit where our garage used to be. This unit is actually getting its own address number, two stories, 4 bedrooms. So our single-family property is now a multi-family property.
I called up the insurance company (USAA) and started asking, and I was informed of the following:
Because we are going from one family to three, we would no longer fit the contract for a homeowner policy, and would switch to a "rental policy, owner-occupied." And it turns out that USAA's contracts for such things do not cover theft. And there's no way to add a rider or anything to cover that, at least through USAA.
So now I'm trying to figure out what to do.
Ditch USAA for homeowners' coverage entirely and find someone else.
Go ahead and buy it and just risk that we don't get robbed.
Buy USAA, and find another separate theft-only policy (does this even exist?)
Is there another option?
Note: In California, so regs for that state apply.
Tips? Advice?