High Priced Condo Insurance in Miami for STR - Referral?

[Dennis Gallof]

I'm in the process of getting an HO6 condo insurance policy in Miami at 20% coverage of purchase price and with hurricane/wind coverage, and I'm finding it difficult to get a good premium rate. 

One company I reached out to doesn't offer "vacation rental" insurance, but quoted me for an annual tenant at $850/yr and a minimum 30 days (max 3 times a year) tenant for $1,730/yr.  I then reached out to Geico and they quoted me at $2,730/yr, I knew it would be higher in Miami but didn't expect this much.  I pay around $350/yr with Geico in NJ; I thought I would have been around $1,200/yr in Miami.

Does anyone own any STR properties in Miami, and have a good local agent/broker I can be referred to?

Should I just be telling them this condo insurance policy is just for a regular annual tenant?

Thank you!

[Lisa Graesser]

I don't have a property in Miami, but I have heard good things about Proper Insurance https://www.proper.insure/ They specialize in short term rental insurance. They may be more expensive than others, but I would check them out and compare with the quotes you have recieved.