Homeowners Insurance for Short Term Rentals

[Laura Morgan]

Hi, I am buying a house in Richmond Virginia that I plan on using as a second home/seasonal home. I will stay there about a week or two a year and list it for short term rental the rest of the year. I am trying to get homeowners insurance on the house, but many companies will not provide policies for a property for short term rentals. I know that sites like AirBnb and VRBO offer insurance that protects the host from incidents that happen during a rental, so is it necessary to get my own insurance to cover these rentals? Or could I get a policy that covers me potentially has the primary resident, assuming the rentals are covered by the renting company? This is my first RE investment so any advice is appreciated! Also could use recommendations for homeowners insurance companies that will cover short term rentals if that's the right move.