We had lender financing and a great insurance quote.

LOL  I would never take insurance from off shore holy cow..

Give Doug Fudge a call (Fudge Insurance).

I posed this question to the head of Travelers personal insurance department at their HQ.

Quote from @Derrick Wortman: Hey All,I currently have 6 properties under statefarm insurance and my personal home/auto/umbrella through Allstate.

From what I have read, insurance prices in CA should be much higher than they are now, and insurers are not allowed to raise prices without approval from the State.In one story, a guy wanted to buy insurance and was willing to pay for it but nobody would insure his Pacific Palisades home. 

If it is your owner occupied house and using your home for STR and the insurance has a premium for guest damage, you are insured just like any other STR insurance. 

We have a similar situation where we have a multifamily under contract and have a traditional lender set up and had insurance good to go.

You want to talk to Kurt Kelley at Mobile Insurance - kurt at mobile agency dot com

Probably a silly question, but I feel like duplexes or more are a little more complicated when it comes to insurance, which is something I never thought about PRE buying the house!!!