Double insurance on 1 home

[Lisa Albright]

I hope this makes sense, we have a second home, we have our space upstairs(not rented) and made the basement into a studio STR.

We do have an excellent Insurance company for full coverage on the home but they will not write an endorsement for a STR. My question is that: will an insurance company write a policy on just the studio part of the home and we keep our current policy on the entire home? So essentially having two policies on the one home. Thanks for any advice in advance.

[Lisa Albright]

Thank you Bill, our insurance is saying they are going away from STR's due to increase risk, they do not write anymore policies for this and we hate to change policy holders, they have been wonderful. Appreciate your input! Lisa