@Robert8756 I just switched my policy for a 6 unit building over to Proper Insurance. It will cover me for hazzard, wind and liability. After going through two hurricanes and having no wind coverage because I assumed I would be covered 😶 It was a very expensive two hurricanes for me.
Proper is not inexpensive however I like that fact that they just cover short term rentals and all the little ambiguities that come with that business that a regular insurance co may not understand or exclude.
I am covered for bed bugs, dog bites as we allow dogs, as well as off premise liability such as someone gets hurt off property like bike riding etc you could still be named in a suit.
Probably the most redeeming factor of the policy is income replacement. We were fortuante that we were only down about 5-6 weeks with the two hurricanes but had it been worse we could have been down a lot longer and been out a lot of income. I also had to pay out 10's of thousands in refunds so that was no fun while paying for the rehabbing.
What I have found with insurance is no matter what you have, you aren't covered for much at the end of the day. Do some research on them and I am sure they would be happy to speak with you. There are some other ones that just specialize in short term insurance.
Karen
