I have a studio adu on my Maine house property I am leasing out on furnished finders ( for now ) then I'd like to do STR with the adu for better ROI. I've heard about sandwich insurance policies on the PODCAST. Does anybody have any advice or recommendations referrals for any companies I could contact that would be in the Southern California area
I have a few insurance broker contacts. I'm not sure if they work in all 50 states, but they will be able to refer you to someone who does. I'll shoot you a PM
Insurance Agent · Chicago · Member since 2025 · 46 posts · 38 votes
8mo
Not sure I understand, it sounds like you already own the ADU and primary house. Are you asking about insuring for sandwich leases, a lease arbitrage situation? As I understand the strategy, you would not have any dwelling exposure as you are renting from the owner long term. You would not use a homeowners or landlord policy form because you do not have an insurable interest in the property. Instead you would set up a general liability policy to protect your business operation running a STR. Or is your concern about having mid-term and short-term rentals on the same parcel? Insurance companies don't typically differentiate between short and mid term, they usually put them in the same category, less than annual.