Insuring a Short Term Rental

[Chuck Masters]

I read on the forums all the time if you own a rental, in this case my example is a vacation rental, that is titled in your own name all you need is a landlord policy and an umbrella policy to be covered. While this sounds fine on paper and others may be doing this I can't seem to find the right insurance. I live in Maryland and my vacation rental is in Florida a state where many insurance companies may not care to partake in. 

I have a landlord policy on my VR but when I asked my agent about an umbrella policy he says I must include all of my personal assets back in Maryland , cars, homes, etc in the policy to get coverage in Florida. I already have an umbrella coverage on my personal assets and I just want it for my VR in Florida and he says all he can offer me is an additional premises liability policy to my existing policy. While this is fine for a typical long term rental this is inadequate coverage for a VR.

Today I got a quote from Prosper a company that specializes in VR insurance, but when you add wind coverage aka hurricane coverage the policy is 3 times my current landlord policy with wind coverage! 

So what is the correct way to insure my VR? Also it's probably time for a new agent.