Just keep an umbrella policy and quit paying big money for all of the attorney offerings. 

Obviously they are running against the zoning policies, always feel like doing something in the gray.

My gut says you probably want/need separate policies for the different entities at the very least - the purpose of having them is to keep things separate in case of a lawsuit, so combining insurance would pierce the veil and allow someone to come after everything. 

The section 8 policy on treatment of tenants had an obvious effect as the hit to dignity caused them to move. 

Also Airbnb does prioritize things like looser cancellation policies, instant book, in line with market cleaning fees, etc.

Policy will not impact the market for a while, even a $25k first-time home buyer credit will need some time to work through the system.

I wish I had a more helpful answer.You could try your primary insurer and see if you can add a STR policy with it.

Thanks for all the replies.I would price out elsewhere and if you find a lower rate, I would ask the new lender what their rate lock policy is, such as when do they lock it, for how long, and what is needed to get the lock.

I would assume your brokerage would not be able to afford to pay for the E/O it would cost you Most E&O policies will pay out 0%, or cancel altogether if 25% of the transactions are dual agency.

My policy is that we provide a pest-free home, then the tenant is expected to maintain it that way.