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Insurance on home

Kathryn226
Kathryn226
Level 2
‎20-07-2018 10:46 AM
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I'm moving to a new home and want to have two air bnb's.  However, no insurance company will insure the new home knowing that's what I'm going to do.  I realize the air bnb site includes insurance, but the companies say that insurance is "secondary," so they won't insure my overall home.  Has anybody found an insurance company that will?  Thanks.

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Re: Insurance on home

Jeff158
Jeff158 in
Caernarfon, United Kingdom
Level 10
‎20-07-2018 11:24 AM
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@Kathryn226

You could be anywhere in the world, will both places be in the same building or other countries, is it whole place or just rooms, more info please. 

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Re: Insurance on home

Kathryn226
Kathryn226
Level 2
‎20-07-2018 05:10 PM
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Both in my home. Two rooms with baths. I’m in DFW Texas. 

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Re: Insurance on home

Letti0
Letti0 in
Atascosa, TX
Level 10
‎20-07-2018 11:25 AM
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@Kathryn226  Under no conditions count on AirBnB's Host Guarantee as insurance. You are going to need a commerical insurance policy. I don't know where you are so I don't have any names of companies for you.  

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Re: Insurance on home

Kathryn226
Kathryn226
Level 2
‎20-07-2018 11:37 AM
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I’m in DFW Texas.  I have worked with five agents and none have a solution for me. The problem is that the two air bnb would be in my home. 

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Re: Insurance on home

Kathryn226
Kathryn226
Level 2
‎20-07-2018 11:38 AM
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Letitia, have you had a bad experience with the air bnb insurance? I hear it’s with a good company. 

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Re: Insurance on home

Letti0
Letti0 in
Atascosa, TX
Level 10
‎20-07-2018 11:58 AM
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@Kathryn226  Where do you hear that I am very curious? AirBnB does not really have insurance and you would be foolish to trust them to cover anything. They don't actually even take a security deposit and it's almost impossible to get any money for damages. You need to ask your insurance agent to find a "commercial liability policy" and tell your agent you are doing short term rental. You will still need a regular Home Owner Policy also. 

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Re: Insurance on home

Kathryn226
Kathryn226
Level 2
‎20-07-2018 05:08 PM
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I’ve gone that route with five agents with no luck.... 

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Re: Insurance on home

Loring1
Loring1 in
Somers, MT
Level 5
‎20-07-2018 12:56 PM
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Are you using an insurance broker? Not an agent, but a broker. A broker will do all the leg work of shopping the policy you need to the differeing companies. I thought I was out of luck after calling about ten companies but a broker found me a local insurer that handled our place with no issues.

 

I think Lloyd's will insure pretty much anyone but it will cost $$$

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Re: Insurance on home

Letti0
Letti0 in
Atascosa, TX
Level 10
‎20-07-2018 01:05 PM
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@Loring1  I used a broker. Got various quotes and settled on the best one to cover both my STR's and my Wedding Venue. 

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Re: Insurance on home

Kathryn226
Kathryn226
Level 2
‎20-07-2018 05:06 PM
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Letitia, this is the closest I’ve come to a real answer after searching for 3 months. I’ve googled brokers and just get agents. Since I’m in Texas too, would you give me the name of your broker? I’m getting desperate!! Thanks. 

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Re: Insurance on home

Letti0
Letti0 in
Atascosa, TX
Level 10
‎20-07-2018 06:11 PM
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@Kathryn226

 

Total Insurance Protection

www.TexasTlP.com

5720 Bandera Rd., Ste. 4B

210-305-5000 - Office

San Antonio, TX 78238

210-569-6479 - Fax

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Re: Insurance on home

Kathryn226
Kathryn226
Level 2
‎20-07-2018 08:11 PM
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Thank you so much!!

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Re: Insurance on home

Letti0
Letti0 in
Atascosa, TX
Level 10
‎21-07-2018 01:23 AM
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@Kathryn226  The actual policy we went with was through Colony Insurance best rate and coverage when we compared everything. You may want to contact them direct it would be a little bit cheaper going direct with them you would cut out the broker fee's we had added on. When I renew I will go direct with Colony Insurance. 

 

(804) 327-1700 

Colony Insurance Co

8720 Stony Point Pkwy
Suite 300
Richmond, VA 23235

 

Second runner up was Acuity out of Wisconsin. Maybe get a quote from each.  Acuity had the same coverage, but was a little higher price. Their rating is better though. AA vs. A+

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Re: Insurance on home

Kathryn226
Kathryn226
Level 2
‎21-07-2018 11:56 AM
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I’m really grateful, Letitia! I’ll call them Monday. What a relief. 

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