I realize that what I am asking may be stupid or common knowledge, I just could not find anything trying my search words.  

As far as I know Susan is by the Big Bear Elementary School and Tracy won't be an option.I got quotes from all brokers I was referred by local professionals and contacted other local brokers I was able to find online, but looks like Big Bear companies want a good cut or have no providers to write in the area.Also still shopping, but what works for me is when searching "vacation rental insurance", in the results companies like CBIZ provide great and better coverage for less money compare to local brokers.Need to call around because looks like it could be different for every house located in different areas of the valley, meaning what works for Jared may not work for Susan because they are far apart from each other.If any other short-term rental insurance agencies see the message and feel like they can provide us all with a reasonable policy, please join the conversation, would be glad to see you in here))

I am currently searching for attorneys to work with but would really like to be able to tell them what I need rather than asking questions and spending a lot of $$/hour. 

Try searching for those and then see what questions you have. 

@Brian Lesko Do a search for "turnkey" on BP and you will find an overwhelming amount of data and stories about turnkey experiences. 

I'll do a quick search and have all their emails and phone numbers within seconds.

Usually they'll search for you online and if you don't have an online presence it'll be harder to build trust with them.

I'm sure if you do a quick search on the biggerpockets.com  site, you will find other examples.

A visit to the local zoning office, and a title search will help you identify these problems.

All they will find in searching your credit history is bad news.