we have proper commercial insurance on our airbnb. we sleep upstairs and rent out the downstairs apartment to guests. we’ve had proper insurance with a $2m limit covering our entire home, including the apartment airbnb.
it’s time to renew and they’re doubling our rate, to $3k/yr. something about how hard a year they had, and how they’re eliminating coverage on older houses (over 100yr).
and i tried state farm, who said they cover vacation rentals, but they don’t. now i’m waiting for a quote from cbiz. i can’t find anybody else to cover us at all, continental usa.
does anybody know where i can get insurance?