STR insurance what do you use?

[Aaron Washington]

My wife and I are in the process of closing on a vacation home in the Davenport area. We plan to rent it out, as an STR, while we are not there. This will be our first vacation and STR home.

We need to determine the right insurance, and fast. Please keep in mind, since this is a vacation home, it will not be covered under the protections of an LLC (at least not initially) so we need to make sure we have liabilities covered. 

How do you structure your insurance? Do you have one plan or a plan with supplementals such as liability?

Also, is wind and hurricane a must?

Thanks in advance,

Aaron