Why don't you share a bit more about where you are in the process, what you know about investing in real estate, what your goals are - short and long-term, and tell us a bit more about why you are asking your question here on BP?

Own and just keep it as a rental longterm/short term rental?

Would you jump on this, or is the premium too steep?

For example, before he switches a policy from short term rental to long term rental he wants pictures.Is it normal?

Now, under Risk Rating 2.0:- Premium Calculation: Flood zones no longer directly impact the price of flood insurance.

Quote from @Joy Daniels: As a short-term property manager I've seen how this industry changes so often—new guest trends, tech tools, and regulations seem to pop up all the time.

If they are nice enough for AirBnB, then you are probably ok there as well since the stays will be short. 

It has a text capability.With that said, I'm spending a lot of time in Twilio right now as I see huge upside coming in that platform.You could be up and running with Podio & Globiflow for text within a very short time.

Here are some key strategies to consider:*Invest in Distressed Properties – The best deals for investors often come in foreclosures, short sales, and older homes in need of renovation.

I usually just google "market name" airbnb or short term regulations.