Landlord insurance for monthly rental = short term rental?

[Valerie Menke]

Hi all!

I'm having trouble finding landlord insurance in Santa Barbara, California. My main issue is, that I would like to rent a unit as a furnished monthly rental meaning a minimum of 30 nights- most guests are looking to stay 3-6 months. Now I have been talking to insurances and they told me any rental activity under 12 months would be considered "short term rental". I'm pretty confused because I know plenty of people here that sign 6 months leases (it's a college town) or rent month to month. So do they just don't know that their insurance technically wouldn't cover that? Or am I talking to the wrong people? I understand that a policy for actual short term rentals (with nightly turnover) would be more expensive. But the city of Santa Barbara considers anything under 30 days short term rental so I just assumed insurance companies would do the same. Did anyone run into this issue and find a satisfying solution?

[John Mocker]

Our agency writes with a lot of different companies.  I was able to find two that may do the rentals as you described:

American Modern Home

Foremost Insurance

See if you can find an Independent Agent that represents them in your area to see if they write in CA.  If you can not find anyone, PM me and I will see if they list agents on their websites.