Hello,

I've been struggling insuring my property while I was renting it as a long term rental due to the property age (1970's). Speaking to other LL, we all have the same issue, only Citizens or Heritage insure properties in my area that are built in the 1970's.

My issue is neither of these insurance providers insure STRs. My insurance agent just informed me that they cannot find any insurance provider which will provide coverage now that I operate the property as a STR.

There are 100's of SRT's in my area, many of these properties are the same age as mine and a lot of them are even older. If I cannot get my property insured then neither can they.. 

I need to find a solution, if anyone has any advice or know of an insurance provider that will insure a 1970's STR property in south Florida please let me know.

Mortgage rates have increased to the point where the property is not viable as a LTR.

I appreciate any feedback.