Insurance when renting out individual rooms in SFH in SF Bay Area

[Shree P.]

Hello BP,

I am renting out individual rooms in a 5 bd 3 bath single family home in the SF Bay Area. I called a couple of insurance companies to ask for quotes on property insurance, but none of them would cover it. They said I could have only up to two unrelated parties occupying the house for them to be able to cover it under a typical landlord policy. One of them mentioned that I should get a business license since what I have here is a hostel/boarding/lodging operation (and insurance premiums would be 10x a typical landlord policy if I were to rent it out to a family instead). 

Are there any insurance companies in Bay Area that would cover this under a typical landlord property insurance.