Some owners are willing to miss out on thousands of dollars just for a chance at a couple extra hundred dollars.

They did have an extra step to make sure that you were the owner of the property, but otherwise it was not bad at all. 

It would also have to be put up and taken down between each tenant and I don't know how responsive your PM will be to this extra work. 

If so, are your amenities worth the extra price?

I’d plan for extra amenities like special decor or concierge services. 

The extra cost to do two separate loans will be worth it, especially if you do not want to be stuck with the loan for a long time. 

They beat my existing premium by over 30% without sacrificing coverage (I did choose a slightly higher deductible though to get some extra savings here).

It’s all about what will draw guests in and make them choose your listing over others.2️⃣ Standout Amenities: Rentals that offer something extra, like a hot tub, game room, or eye-catching design, often attract more bookings and higher rates.

I don't live in CA, and wasn't aware of the Prop 13 passing to the next owner if it's parent to child and both live in it as their primary.

If not, do you own the primary home you're living in now?