Please help me with this curve ball!

[Rachel Murphy]

Two of our five kids moved out in the last few years so I decided to turn two of the bedrooms into a 1 bed/1 bath apartment. I just spent a ton of money remodeling to add in a kitchen, washer/dryer, shower, install a new door, change a window, etc. I just called our insurance company to find out what I needed to do to make sure I was covered for renting a room. Agent just told me that my insurance wouldn't allow it, nor did she know of any insurance company in Florida that would. She said none of the companies in Florida are allowing renting part of the house or renting out a guesthouse (which we also have and were planning to rent). Any of you house hack in Florida and your insurance covers it?

[Carl W.]

Quote from @Rachel Murphy:

Quote from @Carl W.:

Hmm, I wonder if this couldn't be treated like a roommate situation. I know of roommates who have a separate suite. Labeling the space as an apartment and the person as a tenant would be problematic though.

 I didn't tell her it was an apartment. I said we were just renting a room.

It's sounds like your insurance company is just choosing to err on the side of caution, which is their job. They'll say no to a hundred different things homeowners want to do with their property. People have roommates all the time, especially in these difficult times. Get yourself a "roommate" and make sure they have insurance to protect any of their valuables.

A quick Google search pulled this up:

"Typical homeowner's insurance policies will allow you to have a two to three roommates or boarders without additional coverage."