Finding Insurance when primary residence is a rental

[Michael Key]

I have a unique situation. And it seems difficult for insurance companies to wrap their heads around it, but I've been told it's very common in places like DC and San Fran.

My W2 company is located in Florida, I'm in the hotel industry. And travel, A LOT. Mostly out west. We are buying a SFH in Boise, Idaho, which we'll be in for half the year. But our primary residence will be in Florida. Except, that we don't own a home in Florida. We rent.

So, the confusion seems to be whether our home is a second home or a vacation home. And we're getting rates all over the place and most are worse than if it was our primary residence.

Advice or suggestions on what to look/ask for would be helpful.