What insurance company are you using in S. California?
I’m aware that regular homeowners insurance won’t cover STRs, or rather, would drop us if they found out we were hosting. I had a company in mind, after doing a bit of research, called Proper Insurance. However, I just reached out to them to finalize the quote and start coverage (we start hosting at the end of Feb) and their underwriter will no longer cover us! We are in a high fire zone in Southern CA and they said the risk is too high, so they’ll no longer cover us because of that.
I have an insurance agent looking into it as well, but I haven’t yet heard anything back. I’ve heard of getting more of a commercial liability insurance policy, which is offered via our current homeowners, but haven’t yet inquired if they cover this.
I feel like I’m stuck!
Thanks in advance!