Insurance for short term rental property
My current insurance agent quoted me a reasonable policy for the vacation home I'm building in Comal County, Texas.
It's in a very popular tourist area, so I was thinking about doing short term rentals - weekends, spring break, etc. When I told the agent this, she kind of freaked out. She says that no insurance company is going to cover for short term rentals. She's looking for a policy that will, but she is not optimistic.
I spoke to a rental agent who rents vacation home in the area, and she said the same thing.
Do any of you have any experience with insuring a vacation rental? Do most people just not mention it to their agent, and hope they don't get the claim denied if a renter burns the place down?
I really appreciate any advice you may have.