Can you have a standard homeowners policy on a building that is zoned commercial but used as a private residence?

Typically, a standard homeowners policy is designed for properties zoned as residential. If a building is zoned commercial, even if it is used as a private residence, obtaining a standard homeowners policy may be challenging. Insurers might view the commercial zoning as a higher risk, potentially requiring a different type of coverage, such as a commercial property insurance policy or a special endorsement to cover residential use. It's essential to consult with an insurance agent to find the appropriate coverage for your specific situation.