If you don't have a SSN, politicians and bureaucrat pencil necks wet themselves.

My HML requires a GL insurance policy that will cover me in case of injury so I'm not worried about that.

I am located in Springfield, MO, so also in your neck of the woods!

Account Closed who is a wholesaler out in your neck of the woods.

We will be living in the main 2B/2BA house for now, and renting the guest house.Does anyone have any insights on how to structure an insurance policy that covers us for both standard homeowners insurance risks, and home-sharing activity risks such as theft, property damage, and personal injury?

Even at my earliest solo outset, the hairs on the back of my neck would have bolted upright if a potential client dropped some contract on me instead of the other way around.

Each state has its own laws.Mostly determined by your tolerance for risk (10 small rentals v. a single 150-unit).Segregate character of income (rental income from dealer income, etc).Segregate by character of risk (landlord premise liability v. construction personal injury).Segregate by participants (spouses v. unrelated 3rd party).

I'm in the League City area, so right in your neck of the woods.

Your renters policy also includes personal liability coverage if you're legally responsible for someone else's injuries or damages.

Most likely the state where the property is located is where lawsuits would be brought if they are something for personal injury like a trip and fall or something of that nature because the “cause of action” arose in that state.