Does anyone need alternative guest coverage for their short term rental? 

Since Allstate caps property coverage at $750K, I’m specifically looking for supplemental insurance options to bridge the gap.

I've been receiving more quotes than in the past containing endorsements excluding coverage for condominium/PUD construction.

I dont currently have any projects going in CA at the moment but I have been looking for a Summer cabin up by Truckee and I suspect insurance will be an issue although I will pay cash but I will still want some coverage.

It could complicate coverage in the event of a lawsuit as well.What?

.: Getting quotes for the house I'm closing on in April and wondering what to how with for coverage limit and umbrella.

Many carriers are including exclusions for GC commercial general liability coverage and professional liability coverage for engagements involving condos and even stricter exclusions when dealing with conversions.

Proper has the most comprehensive coverage, but it is usually the most expensive. 

Quote from @Jerry Zigounakis: This just in from proper insurance"Thank you for your interest in Proper Insurance® Due to strict brush/forest fire scrutiny, our program underwriters have declined your property coverage.

Umbrella insurance is usually a very large policy of $1 million or more, extending your coverage for larger situations.