I will also check in with the broker who connected me with this insurance company.  

Also do not take documents off the internet, get an attorney to draft documents for you and also always close with a title company. 

Your insurance company likely has a no smoking clause on your policy and will back you up as you suspect this.

The company I use has patched the issue since then, but security is ongoing, of course.

Often times when a builder/buyer moves too fast, or is too busy and overlooks a key piece of due diligence, the unethical ones will try the "scorched earth" method and blame everyone but themselves, even when they know it was their own mistake, and they'll see if they can scare you, the seller, the title company et al into paying damages/fixing their problem. 

@Bruce Lynn  Quest was bought by Inspera from Chocago in September, 2024 and is no more a seperate company. 

For the experienced cohosts in the group, I’d love to get your thoughts on payment processing options for cohosting companies (LLCs) that position themselves as property management companies but operate without a broker’s license.As an investor and soon-to-be STR entrepreneur, my business will initially focus on managing a small portfolio of vacation rentals with plans to scale. 

If you can not find coverage with the agencies you have contacted, PM me and I will let you know the companies that we use that might do it.Because of your making payments to the owners potentially, I would look into commercial crime coverage and cyber liability. 

I don't want to make any mistakes in the Dodd Frank act.I'd like to be able to evict rather than forclose.Need a loan servicing company?

The suburbs have a number of good PM companies, but due to the low price points and rents, and the nightmare of dealing with the city and courts there, most of the good property managers in the general area won't touch Baltimore.