The Co-Living Insurance Gap (and How to Fix It) | ft. Matthew Osman

Co-living is growing fast—but insurance hasn’t caught up.

In this episode, we sit down with Matthew Osman, a co-living realtor and operator who’s been working on one of the most overlooked risks in the space: improper insurance coverage.

Most operators assume they’re covered under standard landlord policies.
But once you go beyond 4 unrelated tenants, you may be operating in a gray area, or worse, completely exposed.

We break down what’s really happening behind the scenes and what you should be doing instead.

What We Cover:

Why co-living doesn’t fit traditional insurance models
The risk of having 5+ unrelated tenants under one policy
Common scenarios where claims get delayed or denied
How commercial-style co-living insurance works
When to switch from landlord policy to co-living coverage
How to think about insurance as you scale your portfolio

Why This Matters:

If you’re making co-living-level income, you need co-living-level protection.
This episode gives you a clearer path to protecting both your property and your business.

🔗 Resources & Links

Join the Co-Living Community: https://millermcswain.com/community
Co-Living Pro: https://colivingpro.io

📲 Connect with Us

Miller McSwain: https://www.instagram.com/millermcswain
Craig Curelop: https://www.instagram.com/craigcurelop

If you found this helpful, share it with another operator.
This is one of those topics most people don’t think about, until it’s too late.

EP 12 - From Gray Area to Real Coverage: Fixing Co-Living Insurance

The Co-Living Show

EP 12 - From Gray Area to Real Coverage: Fixing Co-Living Insurance