From NFIP;

Issued to owners of residential buildings with five or more units, owners or lessees of non-residential buildings or units, and to owners or lessees of non-residential buildings or units

In communities participating in the NFIP Regular Program* or Emergency Program** the General Property Policy provides building and/or contents coverage for these and similar “other residential” risks:

• Hotel or motel with normal guest occupancy of 6 months or more;
• Apartment building;
• Residential cooperative building;
• Dormitory;
• Assisted-living facility.

And non-residential risks:

• Shop, restaurant, or other business;
• Mercantile building;
• Grain bin, silo, or other farm building;
• Agricultural or industrial processing facility;
• Factory;
• Warehouse;
• Poolhouse, clubhouse, or other recreational building;
• House of worship;
• School;
• Hotel or motel with normal guest occupancy of less than 6 months;
• Licensed bed-and-breakfast inn;
• Retail;
• Nursing home;
• Non-residential condominium;
• Condominium building with less than 75% of its total floor area in residential use;
• Detached garage;
• Tool shed;
• Stock, inventory, or other commercial contents.