We were covered through Baron Insurance (Intact) but Baron was bought out by Westland. They now have stipulations for what you offer at your rentals. Their costs were way higher than we were paying and more rules ad regulations. It seems really absurd to me that insurance companies aren't getting on board with this type of coverage. To have exclusions such as - offering breakfast items when it is a B and B through AirBnB?!
And the one quote we were thinking of going with won't allow us to take bookings through our own website, only through the booking sites such as AirBnB and VRBO. It was explained to me that they feel the screening process is better through the booking sites than owners would do through their own site 😕
The quotes I am getting from insurance brokers in our area is up to $3500 a year, but we have 2 larger suites plus our own residence, maybe others with lower quotes are also smaller units or just rooms.