I think it depends on what the policy says. We own and live in a building that has 3 apartments and a large owner's unit. We were not able to buy a standard homeowner's policy as it did not provide proper liability coverage.
Ask your agent and if the agent says you are covered, have the agent point out the language in the policy that shows you are covered. Our agent had told us we were covered but I read the policy and disagreed, resulting in us buying a different policy from a different insurer.
No more lawyer stuff, no more political stuff, so no more CYA