An Engineered Cost Segregation Study gives the ability to substantiate the replacement costs to the insurance carrier.

In general, I wouldn't recommend giving any deal to more than two (2) insurance brokers because there's only so many carriers that are going write policies for these deals.

All insurance carriers have taken rate this year.

@Greg Carrier where about in Indiana ?

Credit Bureaus, Utility data, Cell Carrier Data and USPS... mostly.

Insurance is one of the most important aspects of starting up a short-term rental, and it's one of the most overlooked issues.In my experience, it's almost a sure bet that your normal insurance carrier will NOT cover you for any claim arising out of an Airbnb-style short-term rental.

Hey @Clay Wildt tell us a bit more about the property and who you have tried to gets quotes with thus far.You may be just going to carriers that do not specialize in covering rental properties.

It’s not that ACV coverage is messy as much as the average person does not understand how claims are handled on an ACV policy and/or what the minimum amount of coverage is required by the carrier on an ACV policy.

Has your insurance carrier already decided that it is a covered loss? 

I'd love to assist you in your real estate carrier.