@Luis Font I was just told by Sam Carlisle at Proper that using your property for anything less than 6 month rentals voids your standard landlord property insurance and therefore they (Proper) only insure the entire property including the structure. So having an additional landlord policy is pointless and redundant. You are paying for liability coverage mostly which is why its 3x the price of a standard policy. I'm getting quotes from them in the $6K range!

If you get a policy from Proper, it includes or eliminates your need for homeowners. Proper told me that any STR usage of your property including MTR less than 6 months is business use of your property and voids your homeowners or landlord policy? Maybe that depends on your specific homeowners/landlords policy? Not sure.