Landlord insurance company that allows renting by the room (SFH)?

[Ale Rioja]

Hi everyone, 

I'm having a bit of difficulty finding a landlord insurance policy that will allow me to rent my SFH home with 4 beds to 4 different unrelated tenants / Airbnb. 

I tried going through several brokers (Young Alfred, QuickInsured) but none of them were able to find a carrier that allows for my situation. 

Does anyone here know of a carrier that might? (in Texas)

Or do most house hackers turn their properties into a single-occupancy rental after they move out of their house hack?

Thank you! 

[John Mocker]

Ale,

I've looked into this question in the past for clients.  Normally, Single Family homes that are fully rented are insured under a "Dwelling Fire" form of policy.  In the guidelines the companies file in each state they often will have restrictions on the number of renters.  That varies from company to company.  Other companies may not restrict.  I would recommend contracting an independent agent(s) that work with multiple companies.  Check for agents that operate in that area and see what they can provide.