I contacted Proper Insurance for a quote on home-sharing homeowners insurance, and they said, "Oh, but to clarify, there cannot be any regularly shared spaces between yourself and unrelated guests. They need to have their own entrance and there has to be some kind of locking partition separating your space and their space."
Does anyone have insurance they like for home-sharing in situations where there isn't a separate entrance?
Are there other creative options outside of short term rental or home sharing insurance?
You can check out slice or state farm depending what state you are in. Also CBIZ is a good one, proper was actually started by a small group that left CBIZ and Proper had some issues with having to raise their rates etc.
Hope this helps.