Insurance experts for Short Term Rental/ 2nd home

[Pranav Parikh]

Hi everyone, I am closing on a property near the Asheville market that I intend to use for vacations but also STR via airbb/vrbo. I am looking for insurance to adequately cover my liability as a potential STR as this is not my primary property. I have a quote for statefarm as a "homeowner policy" with "home-sharing endorsement". My family will end up using it <14 days out of the year.

The statefarm agent I am working with is assuring me that it will be "written as a seasonal/secondary home for you with the endorsements to cover the air B&B"

Is this adequate or should I be looking for more commercial full rental policy?

I would love to see what most STR hosts purchase for insurance in comparison and what the expected premiums are. As a frame of reference, my property is 2300 sqft, mountain views, 2021 new construction, 4bed/4bath

[Owen Rosen]

Quote from @Jonathan Greene:

You might want to try Obie Insurance. They are an online insurer specializing in insurance for investors and investment properties.

 I enjoy using Obie as an independent agent but the owner usage might not fit their guidelines in this case.