@Sam Chan Notify your insurance carrier that you're operating a STR business out of the property.

Otherwise, I recruit people I run across live, like my UPS driver, Mail Carrier, Newspaper Delivery Person, Students at the college, etc.  

@Antonio Evans   I think in the last couple decades we have a mis conception of what an Investor is.IN my mind and investor is usually someone who has a good to great job .. saves some money and Invests in some passive real estate.. while building their carrier and finances.Its not really that easy or possible to go from Zero to investor without some outside income and substantial at that.. ergo folks recommending you continue your sales career.. sales is one of the highest paying anyone can enter fields there is ..

If the dog doesn't behave well in front of you, it will not behave well in front of any other stranger (repairman, mail carrier, etc).  

I use use IBC myself with a policy with two policies with two different carriers.

Do you know how much time you have to shop around and change carriers?

I can pretty much guarantee that lying to the mail carrier, peeping out windows, and/or "creeping out" you and your wife are not going to be lease violations, much less reasons that a judge would grant an eviction. 

Each carrier will evaluate the property and determine what the cost will be and that's why each carrier has a different premium for the property with generally 85-90% of the coverages being the same.If you feel the dwelling is low see if they have a guaranteed home replacement endorsement that can be added or 150-200% dwelling coverage to truly protect yourself in the event of a total loss.The market is going to be like this until 2025 most likely so the easiest thing to do is raise your deductible without sacrificing coverage.

I always suggest using an independent insurance brokerage who can access many different carriers.

Some of the condo communities and resorts were hit with large insurance assessments this year - a byproduct of the catastrophic storms that have plagued insurance carriers servicing coastal markets like Florida.