I'm currently trying to solve an issue of finding insurance that covers STR/MTR for my primary residence. I'm purchasing a home, moving in with a roommate, but also turning the closed off basement with a private entrance into an STR/MTR.

I've called a few companies and they said they don't provide coverage for STR for primary residences. I'm trying to find affordable insurance that allows "home-sharing" or that provides coverage so that I can get the basement rented out.

Does anyone know any insurance providers that do this for a primary residence - or offer policies/extensions that cover this?

-- I'm totally fine to get regular primary residence insurance if I could find someone that can apply insurance on top of that. I'm aware of Airbnb's Air-cover, but I've read online not to rely on that as a solution. Anyone have any thoughts?