I own one piece of property in Florida which is my legal address and is homesteaded for property tax purposes. This condo is the only residence I own. I also own an RV which I travel around the country in full time (ie - I never spend any time at my permanent residence). Anyway, a friend of my son’s was looking to go to school and live in my condo. I agreed to let them live there with their sibling and they are paying me a below market rate to stay there while they go to school. They are also paying utilities. In return, they are checking our mail and keeping an eye on the place. I have no lease, no term, no deposits and no recourse if they decide they no longer want to pay. My primary concern is someone falls down the stairs or otherwise injures themselves while they are living there. I want to be fully covered for any liability if someone is injured. I figure I need a regular condo policy for this situation (the HOA has a master policy for the outside of the building) but I wanted to confirm if anyone else has dealt with this type of situation. I can’t get a straight answer from any agents because the determination to accept or deny a claim lies with the underwriter and no one I have spoken with has dealt with this situation before. If there is a claim that needs to be filed, I will not have been there during the incident that gave rise to the claim and the injured person would be someone who pays me some money to stay there while looking after the place. It sounds like a reason to deny a claim but it seems like I should be able to own a place and have someone stay there to look after it, even if they are paying something to be there. When the place was vacant, the AC drain overflowed and leaked onto the ceiling which gave rise to me wanting to have someone there and accepting my son's friend to stay there. Does anyone have any thoughts on how to handle insuring this? Much appreciated.