Obie offers DP1/DP3 landlord policies for full-time short-term rentals and long-term tenant-occupied risks—no owner-occupied, seasonal, or secondary homes—covering SFRs, 2–4 units, condos, and townhomes with limits up to $1.25M TIV (Hadron/Accelerant) or $1M (ANLICO); replacement cost on structure/roof under 15 years (ACV available). They’re live in many states and expanding nationwide except FL, TX, and NY today, with TX targeted by year-end, so we should onboard now to be ready. The online system delivers ~90-second quotes, smart DP3/DP1 placement, unlimited properties per insured (portfolio experience coming), and direct bill via bind link. Onboarding is same-day with live training, weekly new-agent sessions, monthly check-ins, plus marketing resources and chat support. Obie also handles diligent-effort/state filings, assists with corrections, and manages automatic renewals with agent notifications for seamless policy servicing.