Insurance issues with STVR

[JR Woolf]

Has anyone ever had a problem getting a STVR insurance policy due to the fact that the property had a working fireplace? StateFarm said they could not underwrite a policy as a vacation rental if there was a working fireplace. The house is in the mountains and there are plenty of STVRs and a fireplace is a desired feature for most renters. Any suggestions on another ins. Co that I might switch to where I won’t have that issue? Property is in North Carolina. Thanks.

[Ashley Rothacker]

Originally posted by @Mark Miles:

Yup they do. As long as my underlying insurance covers short term rentals then they do as well. I may end up switching over to Proper or Foremost anyways just to have less insurance companies to deal with :)