Home and Landlord insurance for a House Hack

[Lindsey Andrews]

Hi,

I just bought a property in Florida.

I'm looking to house hack, meaning it's my primary residence and I want to be covered for landlord's insurance in some way if possible as I want to rent a room with the MTR strategy.

I just had an insurance company come back and say they don't have any options that will allow for the combo of an owner-occupied property and short term rentals (I'm looking to do month to month, so that shouldn't technically be short term if it's 30+ days).

I know Steadily is a great place to go for Landlord insurance but it doesn't work if it's your primary address.

Is there a combo that exists and I just need to keep going to more agencies? Or does this combo of coverage not really exist and I should just get regular homeowner's insurance and make sure I've got good liability coverage?

Any tips about what kind of coverage to make sure I have in a house hack situation would be incredibly helpful.

Thanks,
Lindsey