Can't get insurance for second home (STR) in Florida.. any help

[Sastry Srini]

Hello all,

I am in a contract ( inspection going on) to buy a Short Term Rental in St. Augustine, FL. I can not get insurance on that property as I have had couple of claims on my primary home in Michigan. The couple of claims on primary were roof replacement ( wind/hail damage) in 2017 and ice dam- water leak/damage in Feb 2021.  Why is that insurance agencies tie primary residence claims and refuse insurance for second home?  Any insight or suggestion to move forward. Thanks in advance.