My wife and I would like a hot tube.

The market where I am is also red hot.

Ohio is a hot market.

I have helped a handful of Hawaii investors purchase Air BNBs in Independence as well and just North of the River.

The statefarm agent I am working with is assuring me that it will be "written as a seasonal/secondary home for you with the endorsements to cover the air B&B"Is this adequate or should I be looking for more commercial full rental policy?

Kind of like the 1k deposit on a Air bnb where U can buy the same type of insurance for 50 to 70 bucks one time. 

All of the things you are stating - like an Air BNB listing, actual rental, postings for rent, etc are great tools to reinforce your intent and use as investment. 

I'd look into the states bordering FL first, then look into hot cities and go from there

I’m active duty Air Force and ran into the same issue at my last base.

This has been a hot topic, raising both concerns and questions among professionals and consumers alike.