I hope this makes sense, we have a second home, we have our space upstairs(not rented) and made the basement into a studio STR.We do have an excellent Insurance company for full coverage on the home but they will not write an endorsement for a STR.

So there is bias, just like the vendors who post on these forums endorsing services they offer. 

@Amanda Ferguson - Thanks for the public endorsement :) You definitely hit a great point -- When looking at projections, it's vitally important to understand what you are seeing. 

Originally posted by @Jerry Brecko:Any recommendations for str insurance policy Read this https://www.biggerpockets.com/forums/530/topics/50...And keep in mind, as STR becomes mainstream, more and more regular brokers/insurance companies offer it as an endorsement or even with STR policies.Good luck!

Get the higher limits and endorsements. 

Normally a Homeowners policy is only for Owner occupies Dwellings (there are a couple of companies that will endorse a homeowners policy for that situation but it is rare)2.

There is inflation protection and an endorsement to add 25-50% of additional replacement cost in order to protect you from unexpected inflation (like that of lumber in the last 2 years) but it hardly effects premium and does not effect the deductibles.

Sean O'Toole was interviewed by Bruce Norris on The Norris podcast and Bruce highly recommends Sean as well as his site and for me, a Bruce Norris endorsement is enough for me. .George

Would never happen, they must perform.Thanks for hearing me out :)In my experience, a mortgagee's title policy runs two or three pages, a Schedule A and B possibly a C, the Terms and Conditions and Exclusions from Coverage are printed on the jacket cover and perhaps another page or two for endorsements. 

The ALTA 9.2 is an endorsement to be issued to a policy which provides additional affirmative coverages to a standard title policy.