I'v been working with Erie and it looks like they will be able to provide coverage for my Airbnb. Before I sign on the bottom line I want to make sure I understand a 3 page document Erie provided called "Incidental Business Occupancy Enorsement-Wisconsin". In the meantime, I wanted to get more than one quote and somewhere on this forum someone suggested Farmers, so I got in touch with them and they quoted me over $3,000/yr just for homeowners. Yikes!
And then I saw something on this forum (Susanne 8.3.16) that said to check withPeers.org. They cover Uber, Home Away, and AirBNb and the cost is only $30 a month. I did a search for them on the internet and couldn't find them. The bottom line is, I can stay with my current insurance company (Hastings) and the cost is comparable to Erie, but Hastings limits me to 1 family of 2 people. So, if Erie falls through and I end staying with Hastings, then in order to be in compliance, I will have to pull one of my rooms off my site.
I'd like to end conversation with two things. One, I believe that many Airbnb hosts are under the impression that their homeowners covers them, when in fact if they checked, they would find out differently. Ingorance is bliss, I guess. Second, because home-sharing companies are still fairly new, I don't feel the insurance industry has caught up with the real world.
If anyone has any other suggestions for securing homeowners insurance, please let me know.