The operating agreement should further expound upon the relationship details between Monday and RSN.  

IF that is the case full stop - yes you are paying for something called insurance but if you have a claim the company has the right to pretty much deny coverage for having the wrong type of policy.Landlord policies are higher cost but for a reason - there is a different and increased level of risk when the house is not owner occupied.Talk with your agent and get all the details sorted out. 

May I send you over the property details for your purview

Very important detail. 

Would need more details on the deal, but this is something people could help out on.

 @Raif Jochim without knowing details of each loan, I would almost always choose the primary home.

Local professionals can help confirm the numbers.Feel free to reach out if you’d like more details on Oklahoma or want tips on getting started in these markets.

And then you argue with me saying that I don't know all the details (as in, well, these days even a man can get pregnant.)

I could go on and on, but suffice to say the devil is in the detail, not in the high level split.

Occasionally I catch some cleanliness issued that I am not satisfied with which I believe is due to variability in attention to detail between people on their crew, or lack of training and familiarity with my property.I've seen mentions of the value of post cleaning pictures from hosts on other forums.