It comes down to whether an agent can have a discussion with a client without reporting to the insurance company. 

I used to own a large SFR management company I sold to Evernest in 2019 and I manage a Kroger SC and a set of retail condo suites for a client now but it isn't my thing. 

PM companies charge a lot and if you don't have multiple rentals why pay them? 

He's in default of the lease agreement, and the mortgage company still expects their money, no matter what’s going on.

They don't talk about state specific title companies and contracts.

Steps to ImplementContact Your Current Insurer: Ask about endorsements for "roommate rentals" or "owner-occupied landlord policies".Shop Specialty Insurers: Companies like Steadily or Proper Insurance cater to house hackers.Disclose Rental Activity: Hiding tenants could void claims, so be transparent about your setup.Compare Costs: Hybrid policies often cost 10–30% more than standard residential insurance.4.

I don't know anything about this company

Realtor and Title company were very aware there was an ADU. thank you so much.Neither one of whom (realtor, title company), pass judgement on the legality or code compliance of an ADU. 

I guess I would do it if I were building my own house, but the math doesn't work for rentals, at least in Palm Bay.I was looking out west in Tampa/Inverness with a few different companies and looking multifamily - so yes, that might be the best path.   

Stafford Land company comes to mind..