Anybody have success finding affordable insurance for short term rental such as Airbnb? Specifically I'm looking to make one unit in a four-unit building short term, the other three would remain long term. This is proving difficult to find. I talked to someone at Proper Insurance a few months ago and they needed at least half the units to be short term. They also did not have any coverage for renting out rooms individually on Airbnb, only full units.
Have you asked any about insuring a bed and breakfast? I often find that with AirBnB being fairly new, some vendors aren't sure exactly how to classify it. Maybe changing the question you're asking rather than who you're asking would make it more clear!
Airbnb provides the insurance for your units up to $500,000. You're looking for additional coverage? I used Progressive for my policy because I rented a place a relisted onto Airbnb.
I tried three agents, only policy I was able to find that would allow short term rentals was about $1500 more per year than normal landlord insurance, which wasn't worth it for my location. Lien, is Progressive aware you are running AirBnB in the property? If not, that may be in violation of your policy and you may not be covered for any claims if they find out, not just claims related to the airBNB guests.