It's the same ploy used by insurance agenst selling liability coverage.....oh look, another multi-million dollar corporate loss froma product liability suit or mistreatment of employees, hiring practices....no one ever stops and asks, do I do that kind of thing or do I have people working for me where that could happen?????

Google found me this at http://fairhousing.foxrothschild.com/2011/01/articles/fha-basics/exemptions-to-the-fair-housing-act-not-many-but-here-are-some/Some exemptions to coverage under the FHA include: (a) owner-occupied buildings with no more than four units (which is commonly known as the Mrs.

Louisiana is starting to see new policies written with a 3-5 percent hurricane deductible and a minimum of $400,000 of coverage on a residential personal home.

Looks like I would need to do this regardless of my plan.Since home prices are so close to what they were when I bought the house, I’m curious what I would be able to get coverage for.

A 75/25 argone/co2 mix gives good penetration and great coverage.

Even if you can get insurance through another source it is going to be very expensive and you really need the STR coverage.

Most cleaners will have a few colleagues or family members that they have for coverage should the need arise.

My insurance company told me it should be a nonissue for coverage, but I feel like without getting it permitted before a renter occupies it I’m accepting more risk.

That would account for the property being at a 1.25 Debt Service Coverage Ratio. 

STR insurance is not a normal animal, we get ours from 'Proper Insurance' they provide coverage through Lloyd's of London and they were the only ones who understood our situation where our primary residence is in the same building as our apartment rental.