That same insurance policy will specifically outlaw vacation rental, STR type activity.

He did not seem remotely appreciative of my offer.This tenant has been resistant to my policies from the beginning, and seems to take any action on my part as aggressive.

Best policy is to ask for highest and best by X date, potentially after 10-20 total showings.

I'd rather aim for BRRR in a more active rental market.I'm just wrapping up the real estate licensee coursework (via Rockwell) and exams, and I'll be looking for a Designated Broker to hang my shingle under. 

Some people here suggest using a umbrella insurance policy and just having the property in your name. 

Insure your income property to 300k with a landlord protection policy.

Until that point you will be paying out the @$$ for insurance, with your standard policy + specialty vacation rental insurance.

I personally would not buy anything less then 1.3% I try to aim closer to 2%

An added bonus is the asset liability protection, but I realize a good insurance policy is an adequate substitute for that too. 

If you own multiple buildings you can consolidate all insurnace into one master policy.