ETA: They got back to me that they don't do residences with a rental unit yet. So it's not relevant for me at this point.
If you were referring to Lemonade with that remark, I'm not surprised. Pretty much anyone can get a renter's policy from them, but if you want homeowners coverage they only have the plainest, vanilla-est policy to offer. Even if that's all you want, they may decide not to quote you, which is nothing personal (just some risk concentration formula probably)