Two insurance coverages?

[Lynzie Mackey]

I'm looking into insurance on my vacation rental, which we just started renting out and currently have a normal homeowner's policy on it since we were living in it prior.  We're in Fort Myers Beach, FL, and so Proper Insurance is quoting us $2,500 without wind and $8,000 with wind.  I was quoted $4,000 through Fednat, but noticing it doesn't have all the coverage that Proper does.  I'm thinking about writing a policy with Fednat that includes hurricane, and then the policy with Proper Insurance without wind.  Anyone done this before?  Thoughts?  

[John Underwood]

Quote from @Lynzie Mackey:

I'm looking into insurance on my vacation rental, which we just started renting out and currently have a normal homeowner's policy on it since we were living in it prior.  We're in Fort Myers Beach, FL, and so Proper Insurance is quoting us $2,500 without wind and $8,000 with wind.  I was quoted $4,000 through Fednat, but noticing it doesn't have all the coverage that Proper does.  I'm thinking about writing a policy with Fednat that includes hurricane, and then the policy with Proper Insurance without wind.  Anyone done this before?  Thoughts?  

 Your current policy could deny any claims. You need to decide quickly. 

That said I found Foremost insurance to offer the best STR policy for the best price.