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?