Insurance/ month to month leases

[Stephanie Mccolaugh]

Given the eviction moratorium, we were planning to do month to month leases. According to our home insurance policy, that qualifies as a short term rental. Does anyone have an understanding of how that impacts insurance prices?

Also, this purchase is two single family homes with unique addresses on one parcel of land. As such, we are being told we need two separate home owners insurance policies. Is this normal?