FL Beachside Homeowners Ins WITH wind?

[Megan McCrea]

Has anyone purchased a beachside Florida rental home this year or late last year and successfully obtain homeowners insurance WITH wind/ hurricane coverage? If so, who was the carrier? Here are the challenges/ reasons we’re being denied now (after originally being denied bc it needed electrical and new roof):

- Home is 1960s built

- Dwelling coverage portion is less than $500k

- It will be a full time short term rental

- 1.5 blocks/ less than 2 miles from coast

- Single family home, not condo 

Proper (underwritten by Lloyds of London) will write us but it excludes wind/ hurricane. Lender won't accept that but would accept if we found supplemental wind/ hurricane. We've contacted 4 or 5 brokers who have been unable to do either the policy as a STR or supplemental wind/ hurricane.

Citizens is not an option because they don’t allow rentals less than 30 days.

I feel like we’ve exhausted our options but hoping for a holy grail so thought I’d ask here! Any contacts would be highly appreciated - we have until noon tomorrow to figure this out. 😭