Policy is month to month, covers you if it's vacant, being rehabbed or occupied by a renter.Not sure if they will have an issue with the Costal Wind, but worth a try.

I also have a policy that all pets must have proof that they are spayed or neutered.

Just how rock-solid are your data access, encryption, and disposal policies?

your RV personal policy will not cover renting it out to others.

I have had a 'no pets' policy but I'd allow it. 

This is not the FHA's policy as far as I know.

Umbrella policies are even better.

The companies offering a single policy for all locations are completely different from the ones offering a policy for each location. 

They are also able to get me a policy with an insurance company (American Modern) for my upcoming STR-Rental that I'm purchasing soon, but I'm also looking at Proper Insurance, as they provide a more holistic (and expensive) insurance policy that covers things like intentional damage by guests and lost revenue. 

You are really buying here for appreciation of the asset and a huge pool of willing qualified tenants.In terms of monthly expenses, you will have the insurance policy, roughly $4k annual, common area electric- $150 monthly.