We're writing an article on short-term rental insurance costs to explain what people should expect to pay, what factors affect premiums, and how they can reduce costs. We'd like to include expert quotes based on your firsthand experiences. We can offer a link to your direct booking site, listing page, or a business page clearly related to the STR industry. Insurers are also welcome to contribute and receive a link to their business. We cannot feature anyone who cannot provide a link related to STR hosting or property insurance. Here are the questions. Feel free to answer as many as you like, using full sentences. 1) What do you currently pay for STR insurance and what does it cover? What factors affect the amount? 2) How much of your budget do you set aside for insurance and why? 3) Have you ever had to make an insurance claim? What happened and how did it affect your view of your insurance? 5) How have insurance costs changed as your business has grown? 6) What types of insurance do you get and why? 7) What insurance do you not get and why? 8) What factors affect insurance costs in your region? 9) What do you do to reduce your insurance costs? Thanks in advance for your help!