However, due to it being:1) In the state of California2) A shared home, rather than an outright external property being rented...the default insurance company on offer advised that many carriers are pulling out of CA and that I should go to a local insurance agency.My current insurance for home policy does not offer a "home-sharing endorsement" but only a separate renter's insurance, which would complicate things, since it's for traveling professionals, and they're not going to be booking for 12 straight months.

You could likely get a different insurance policy

I am a new multifamily investor (5-20 units) along the Front Range specifically Boulder and Jefferson Counties and am having the same issues when it comes to getting quotes.Brokers and agents have told me that some areas near us are simply uninsurable now.Most owners that I meet have are still in policies from before the fire.What have you learned in the two months since posting this?

Secondly on a single location policy who is everyone finding to have the most competitive costs?

My hangup is that even though the HOA is not allocating $85k for the reserved this year, they will have over $200k in reserves (over 20% of the $850k budget) Everything else has been cleared by the underwriter (insurance policy, occupancy rate, ect..) but I am concerned this deal will fall through because of this issue. 

We took this disaster personally as we love Asheville and have visited many times.When there's an official presidential disaster declaration (there was), flood insurance policy holders should apply for FEMA assistance in addition to their flood insurance claim.

You need a short term rental policy.

I'm looking for a good insurance agent for landlord insurance policy!

Or, is it worth just getting an umbrella policy to cover all properties?   

Any ideas on which policy might be the best fit?