Homeowner's Insurance for SFR Househack renting 3 rooms

[Everett Yano]

Hello BP,

I bought a SFR 4 Bed 4 Bath in California that I plan to owner-occupy while renting out the 3 remaining rooms. I am currently looking for a Homeowner's Insurance policy. A common exclusion to coverage is renting to more than 2 roomers/boarders. Does anyone know of any insurance agencies that insure a home for my current situation? If no policies allow me to rent out 3 rooms, does anyone have advice on what alternate policy I could use (Commercial, Multifamily, etc)?

Thank you for the help,

Ev

[Jason Bott]

@Everett Yano  Insurance for some House hacks can be tricky because it straddles the personal lines/commercial lines market. 

Great info and thanks for sharing.