I will get you policy on day of closing."

@Fernando Lama I'd say deductible is something you really want to look at, for my dad's homeowner policy for example going from $1,000 to $2500 saved about $500 per year, so as long as he doesn't burn the house down in the next 3 years he's saving money.

I found him a policy (only one company would do it because it is a 1987 mobile home.) 

CoStar (commercial real estate analytics provider) published an article (there is a paywall for CoStar) about office workers'  productivity working from home, and their preferences working in the office in the future. 40% of respondents said they were less productive at home, while 22% said they were more productive, but at the cost of working more hours. 50% of respondents preferred some type of flexible policy of splitting time between the office and home. 

Good Afternoon,Today I have spoken to several very helpful representatives and found thatmy only course of action is to submit an exception to policy in hopes youhear my appeal.

But I wouldn't get into without a really stable safety net. 

I have read in-depth about using holding companies, multiple LLCs, trusts, crazy expensive liability insurance policies, etc. but wanted to explore this route because it seems less-complex and more cost efficient. 

Get it in writing if he says yes.You will likely need a STR policy from Foremost, Proper or CBIZ.

Super exciting to watch judicial policy be formed!

Get a robust insurance policy and get on with your day.