The hospitality element plays a huge role. 

It appears some folks are confused about the way this coverage typically comes into play.  

The author and article suggests to utilize the climate risk data before committing to an investment and be familiar with specific risks in your area—whether it’s floods, wildfires or heat waves.They recommend these valuable tools to assess these risks:FEMA National Risk Index – Provides a comprehensive overview of natural hazards across the U.S., including floods, earthquakes, and severe storms.USDA Wildfire Risk to Communities – Offers detailed insights into wildfire risks for homes in specific regions, particularly useful for properties near forests or dry areas.Risk Factor – Analyzes flood, fire, and other climate-related threats for individual properties, giving you a risk score.Climate Check – Delivers property-specific climate risk ratings, covering heat, drought, fire, and floods.Do you consider environmental factors like flood and heat when investing?

If you told him you have been playing pickup games for the past year and need help improving your jump shot, now he has evidence you're motivated and a specific goal he can quickly help you work towards.

What are the few possible outcomes that can play out this coming Wednesday?

House hacks are not like a traditional investment property and admittedly a little more emotion will play into whether it's going to work or not for you.

Also loss history can play a significant role. 

The real play here might just be to take a step back and evaluate if this deal is going to actually set you up, or ruin you financially. 

Not sure if you plan on pursuing a higher education, but that can be a factor that comes into play as well.

Along with risks of natural disasters some areas of the country are also more litigious or even have more uncertain jury pools and that can also play into insurance pricing.