Never dwell on the past but as a local insurance rep.

Im 28 and thinking about moving, I currently own my "house"(realy a traveltrailer with a 1 bedroom house built around it, But its all grandfathered in and under a ramada so its a legal dwelling) and a old modular that i use as a rental in a small trinity county Ca town.

Hey all, I'm about to close on a three family owner occupied dwelling on 01/31/20.

§ 25-2-511 - DWELLING UNIT OCCUPANCY LIMIT.

Be careful as many Brokers may try to place you with a preferred carrier (Nationwide, Travelers, etc.) under a rental property policy (Dwelling Fire) that won't protect you.

(a) (1) Subject to subdivision (b), an owner of residential real property shall not, over the course of any 12-month period, increase the gross rental rate for a dwelling or a unit more than 5 percent plus the percentage change in the cost of living, or 10 percent, whichever is lower, of the lowest gross rental rate charged for that dwelling or unit at any time during the 12 months prior to the effective date of the increase.

You need to do some homework on our rules around additional dwellings and subdivision.

Mixing 2 of them in the same dwelling can create tax problems because Airbnb is taxed as an self employment income, and the rental is not, so talking to a CPA can help and a good one will give you a free 1st meeting.

Hi JT, hope this helps.Per Assembly Bill No. 68 (AB-68):"If there is an existing primary dwelling, the total floor area of an attached accessory dwelling unit shall not exceed 50 percent of the existing primary dwelling." 

Check with your agent to see if the current company for your Auto Insurance, Home Insurance or Dwelling Fire policy will do the umbrella.