For my clients buying this as a vacation rental, even if they got coverage and could rebuild after a fire, the value of the short-term rental in Colorado would be ruined b/c no one wants to visit a scorched mountainside.If you're an agent like me working with STR/second-home buyers, or your just buying yourself, navigating the wildfire risks and other natural-disaster risks of a home are now part of the transaction.

Just filing suit against the business will force the business to notify their E&O carrier or likely void their coverage.

For colors we use Behr spun wool (LRV 73) for walls and Behr ultra white for trim (LRV 94) we have found the Behr ceiling paint provides better coverage on ceilings than most other brands we've used.

Or, perhaps the agent is looking out for you as it starts to seem that you are running a business and perhaps should get more / different coverage. 

Coverage like Water Backup, Equipment Breakdown, ... may be advisable to purchase.

@Kris RealanderI would consult an attorney and see what the legalities (if you're using Turo- what is the coverage for you) regarding guests. 

The agent stated "I did include some coverage for vandalism/burglary which are optional, however, just want to make sure you are covered in the event of a loss." 

Some mortgage brokers or financing companies offer Debt Service Coverage Ratio based loans. 

If they start a fire or break a pipe then you would likely have coverage (review your policy for specifics) but if they are simply negligent or messy then you will have to pay out of pocket.

I put liability insurance coverage  on my parks too.