I had to change insurance companies and get Landlord's fire insurance to do short term vacation…read morerentals. I am in a high risk brush fire zone 6, that no insurance company wants to insure in, especially with all the tremendous losses that "burnt them" in Calif.
Well I set Yelp filters on "highest rated' first and Lutz Insurance came up. I wanted to talk to one of the people mentioned in the great reviews about them, and asked for those particular names. But this lady named Jennifer Patrishkoff (her name was not in any of the reviews) answered at Lutz Insurance, so I rather reluctantly told her of my insurance needs.
Jennifer did GREAT for me. In a couple of days, she found me a fire insurance landlord's policy for only $1007 for $687,000 building coverage $5000 deductible, that is OK with AirBnB. I am paying $520 now for landlord policy $2500 deductible (WHICH IS SUPER CHEAP!) for $515,000 building coverage.
My earthquake insurance sent me a dump letter (just before the Ridgecrest earthquake happened) because their reinsurance could only insure for 75% of the 100% of rebuild value. You know, California houses are soooo expensive, and there were sooooo many devastating fires, that insurance companies "get burnt", insuring them.
So Jennifer found me earthquake insurance for same $687,000 building coverage as the landlord policy, with 15% deductible, and $10,000 personal belongings (I don't have much since this is a rental house, not my home) for $271, which is about the same as I was paying for before, because building coverage is more that the outgoing earthquake insurance.
Get your insurance quotes from Jennifer. See if she can beat your current house and car insurance, too. She is the only agent who came through for me on a very difficult to insure house, out of the 5 brokers or so I contacted through Yelp. Like one guy did find me landlord vacation rental insurer willing to insure my high fire risk, but costs $3300 for same policy coverage as what Jennifer found me for $1007. And she did it real fast, too, against great odds.
If your house is in high fire risk zone (above 3 or 4) you may not want to move from your present company, because they likely won't take you back if something happens with the company you move to. They only keep you if you are already a client, but won't take you back if you leave, cos you no longer fit into their underwriting parameters.
Make sure you also read the 5 "Not recommended reviews" in a link at the bottom left of the first page.
Ask Jennifer to give you quotes for your home and car insurance, too. She could not beat my Scottsdale house and car insurance, tho, like only found quotes for double the premium, in fact the auto was more than twice what I am paying now. But it PAYS TO SHOP!