Santa Rosa Beach, FL · Member since 2018 · 81 posts · 67 votes
Hello everyone! WE have purchased our first short term rental that we are using as a vacation rental and are currently living in it while we renovate it and get it ready. We will be renting it out starting this July and I am doing some research on what type of home insurance is the best.
Most of the articles I find come from expensive insurance companies blogs so I don't feel like I am getting an unbiased answer in my research. So I wanted to ask on here and see what you all think.
We have a short-term rental and are using Proper as our insurer. They were higher than what we were paying previously, but have not had any issues with them and they seem to provide good coverage.
Anyone have updated recommendations or experiences? I've put in for quotes with Proper and CBIZ, both of which are coming back at about triple the cost of a traditional homeowner's policy. Comet's quotes are more in-line with what I was expecting, but it sounds like they get a bad rap here.
Anyone else experiencing triple the rate of a standard homeowner policy? does anyone know if Proper covers dwellings for Hurricane / Storm damage here in Florida?