Insurance for Air BnB

[Brent Zande]

We are almost complete with our first Air BnB in Charlotte and we are looking for the right way to insure the property without breaking the bank.  Our insurance company has provided a quote that seems very high for the value of the property.  Looking for any advice to reduce costs or companies that are more familiar with Air BnB insurance. Thanks in advance!

[Brian Armstrong]

Hi Brent,
Congrats on your first Air BnB! As an investor and insurance agent, I feel your pain ... in both worlds. Many insurance companies don't like short term rentals like Air BnB. I recommend against trying to sneak this past your agent: they're on your side and want to make sure you're protected! 
I work with at least 3 companies that don't mind the Air BnB and will insure it properly as a landlord policy with short term rentals. If you can't find a local agent I'm licensed in 45 states and would love to help ... or at least help point you in the right direction. 
(I understand what @Matthew G. is saying above but I believe he means "landlord" where he says "renters" insurance.) @John Mocker is right that you should look for an Independent Insurance Agent - we're not stuck in a box and can tailor the right fit and protection for your specific needs :)
Successful investing,

Brian