Any other solutions except for the $1000 "personal liability only insurance"? 

Even a tree falling on the property or fire would not be covered, if they found out you "broke" the policy agreement by using a landlord policy for a STR. 

Each time you consult a lawyer, you receive a different answer, and the subsequent lawyer may provide a completely different solution or, even worse, refute what the previous lawyers have said.One of the primary issues is their inherent biases.

Immediately started making minor improvements, due to hurricane season decided to remove one tree and trim a huge oak tree at the other location. 

Removing the tree will be the bigger concern and should be a lot more money.

If it does not, there are only two solutions.  1) You could restate your operating agreement. 

If you want insurance bookings, submit your property to relocation companies like ALE Solutions and CRS Temporary Housing.

I was thinking about solutions like a in Laws suite instead of 2 units. 

106 Spring Branch Rd, Dunn, NC, minutes to I-95 Comps$219,900 (sold 6/27/24) 810 S Wilmington Ave, Dunn, NC 28334 2 bd, 1 ba, 1,025 sqft$204,000 (sold 7/17/23) 113 Spring Branch Rd, Dunn, NC 28334 3 bd, 2 ba, 1,073 sqft$194,000 (sold 7/3/24) 106 Joy St, Dunn, NC 28334 3bd, 1 ba, 1,107 sqftCall or text Church Street Solutions, LLC (919-766-6832)!

So unfortunately, as you scale, finding creative solutions like my colleagues above have suggested will be the name of the game.