At my wit's end. We listed our property in December, thought it would be a while before we had any bookings and to our surprise, we were booked 60 days out within a few days. I should have done more research prior to creating the listing, but I thought it would be a fairly simple matter to obtain insurance (or a rider on our current policy, etc.).
Three months later, we still don't have anything. I've contacted numerous agencies, and all have come up empty handed. There are dozens and dozens of short-term rental properties in the area; surely they can't all be uninsured.
Proper wasn't able to write anything in Florida until very recently, but finally got a quote and the homeowner's insurance is actually very reasonable. But the windstorm portion is exorbitant, and they don't give discounts for HVHZ compliant shutters or roof clips, which is the highest hurricane rating. And Citizens, the state-run insurer of last resort, won't write policies for rentals.
I don't know any other Airbnb hosts in this area and don't know what else to do, other than to bend over and sign with Proper. I've read other threads but there's a lot of old information in most of them that is no longer accurate.
Any hosts out there in South Florida? Are there any other forums that are popular with short-term rental hosts?