Insurance for Medium/Short Term Rental in South Florida

[Fernando Tello]

Hello BP Community! My wife and I are considering making our primary residence as a Medium term/ Short term rental. So we currently have our home insurance, but they wont cover anything with regards liability or personal property if the "tenant" does not occupy the unit for at least 9 months... 

 I tried to quote with most common short term rental insurance companies (Foremost, CBIZ, & Proper) and it turned out that the first 2 do not insure anything in Florida, and Proper's quote is quite expensive considering is only "an add on to my primary home insurance"

All the recommendations and advice are most welcome!