Homeowner's insurance for a room rental/co-living, owner occupied

[Mohit Gupta]

I'm finding it very difficult to find a carrier to insure our SFH with more than 2 roommates. I'm very surprised since this strategy is promoted to no end on Bigger Pockets and other forums but I've never before heard anyone mention this might pose problems with insurance!

Could anybody who has experience with insuring a room rental SFH, especially owner occupied, give me some pointers please? Do I need to look for commercial insurance and what's the best way to look for one?

On a related note, I've heard it many times on the podcast that one should let an insurance broker find you a good policy - could somebody please clarify how to find a broker? Looks like Bigger Pockets website only has 1 reference which does not insure owner occupied room rental.

Thank you!