Insurance for AirBnB/STR

[Ramzi Nuseibeh]

Hi guys,

I have a duplex (3/2 and 1/1) where I own this property in it's own LLC and do LTR on both. However, I'd like to use the 3/2 as an airbnb. I have a normal commercial real estate policy on this with an umbrella policy as well. I know airbnb has it's own 1 million liability, but I'd like to have my own coverage as well. My real estate agent was just getting ready to leave on vacation (of course), but said my normal policy would not cover the airbnb STR. What do others do in these situations? For now, I'd like to keep the 1/1 as a LTR, so it would be "mixed use" of sorts so I assume i need to keep my current policy and either add or modify. I don't believe my agent has experience in this. Is there a specific add-on insurance I should purchase? Would my umbrella cover me in addition to the airbnb?

Thanks,

Ramzi