Insurance rates stand to rise dramatically, so the question is "will the insurance rates go up enough see rentals go into negative cash-flow situations?"

You will always have taxes and insurance and maintenance and capex anyway, so how much better will you sleep because you eliminated one of those expenses?

@Drew SygitTHANK you so much for the feedbakcBased on the information provided, the seller’s reported expenses include annual electric, gas, water, sewer, real estate taxes, and insurance costs.

Also in my property folder I'd include a "Insurance folder" for anything insurance related.

@Jason Porto6-12 Months of Expenses: Many investors aim to have 6–12 months of property expenses (mortgage, insurance, utilities, and maintenance) saved. 

Co-hosting is just like any other business---- scalable systems. 1) Know how to build systems2) Find a mentor who will teach you3) join a mastermind that will teach you4) Learn and grow as you go... but have insurance.

I would go with a hail resistant 30 shingle then you get a discount from the insurance company .

A good way to avoid this in this future is to use a vendor worksheet/package that request the pertinent contact information along with a document request for the filed out W-9, copy of business license, Worker comp and liability insurance certificates.

There are also home buyers who want to look in the area before they buy, home sellers who sold and have no place to go and want to look, contract workers in the area, construction workers, insurance displacement, and more.

The property is unique so you would do well with families who also need to WFH so insurance displacement would be ideal.