The homeowner insurance market right now is a dumpster fire with carriers refusing to write business and creating incredibly tight underwriting guidelines.

We paid $20k for a new system but it was a carrier infinity system and included a 5 ton condensor etc. we are also in washington dc area so it will be a lot more here than other places.

I do the umbrella policy and will check with my carrier.   

And there are even more carriers who would insure co-living rental w/o owner-occupied - for example Obie.

Have you check with an insurance carrier? 

@Ana Escudero Property insurance renewals have been challenging the past few years, but there’s some stability with carriers heading into 2025.

You can always just increase the liability on your current carrier.

You need to tell your insurance carrier that you would be renting under 30 days! 

We require a local veterinarianreport confirming the animal is healthy, properly vaccinated, and,require spay/neuter unless contraindicated by the veterinarian.Animal will be on a leash or in a carrier in common areas.

Send a written notice (yes, paper) to the tenants with proof of delivery required (the postal carriers have this time to an art form; it's inexpensive and you get confirmation via email or receipt very quickly; it does not require the tenant to sign - it just confirms that the notice was delivered.A paying, respectful tenant is golden.