Florida wind and flood insurance for short term rental SFH

[Melanie Langlois]

Hi. We will close next month on our first short term rental SFH in FLL, Florida. We were wondering if it is still recommended to take wind and flood insurance; even if we are in a flood zone X and our bank doesn't require it ? If yes what company would you recommend to us ? We plan to use Proper insurance for our home owner insurance (commercial) but the quote they gave us for wind was really expensive. Is there a company that covers both wind and flood ? Does anybody have any suggestions ? Thank you