Your caveat that you (only?) intend to do this for one year is the gotcha.
I am in the same boat as you with too many balls in the air to commit yet.
When I looked into it in March I found that while there *are* ways to get better coverage... to do so (without exorbitant cost) requires changing many other things about legal status. In particular residency as many states insurance rules simply don't have provision for real fulltimer policies. Your state might though so be sure to ask locally too.
A kludge is to have your old (or a beater) car parked at your 'rents house with minimum collision insurance and "assert" that the family home is "owned"... all to get you that combined asset status that underwriters look for.
Doing the residency change will affect still other things (like taxes and their costs) and it soon becomes like the analogy of squeezing the balloon. Action and re-action. And that is dependent on tax bracket and nature of income.
Retired people who have investments but little in earned income have a very different set of concerns compared to working age people with mostly earned income.
The business aspect only complicates this more.
Wish I had more/better news for you.