New to Air BnB - Cabin, insurance and business structure

[Rasiel Rodriguez]

Hello,

My wife and I are venturing in our first property; a small cabin close to Helen, GA.

We have several rookie questions in regards to how to run this small venture, so I will try to be as concise as possible. 

Business Structure

We want to run the business through an LLC for its benefits.

We are taking a Conventional Loan in my name to pay for the property. We quickly found out that if we put the cabin on the LLC's name, we would be violating the "due on sale" clause and the lender might decide to execute the mortgage or force us to put the title back on our name.

If we cannot put the cabin on the LLC's name, what are the benefits of using the LLC in first place? To interface with Air BnB?

Have anyone been on the same situation before? What is recommended?

Insurance

We need to insure on the LLC's name or in our name - depending on what we decide on the title.

Should I seek products tailored to short-rentals like Foremost or Proper through Lloyd's of London?
What are the recommendations?

Thanks in advance!