If you plan to stay there, ask about the policies regarding owner stays.

Behind that insurance can be an umbrella policy.

Jeremy said it was in the policy.  

"Additional Insured" on Insurance Policy to Property as CollateralHow specifically should a private lender be mentioned on the owner's insurance policy to a property used as collateral to a loan.

Establish policies and procedures that nip problems in the bud.

I also mention that alterations like this is effectively a cancellation, and so close to the dates effected hurts my operation and should not be possible per cancellation policy. - Guest insists booking was made because of moderate cancellation policy.

Brought to you by an open boarder policy.

I share your concerns about investing in California because of their policies that benefit deadbeat tenants. 

You'll only need one policy.  

An umbrella insurance policy may get you guys the same result here as well.