Home based FFL?

I have a home-based FFL and had the ATF here a few months ago. I was talking to her about this very issue. She said cities deny home-based FFL's not the ATF. If you have a valid reason for the FFL, the ATF is going to give you one if you check out.

It's not hard to find a valid reason for an FFL is you really want one.
 
I have been working through the process and was told by an insurance broker no one will cover my homeowners insurance with an ffl business on site. Mostly due to my house being a manufactured home (despite being on foundations and never moved)
Just a little for warning to anyone looking into this.
If someone knows an insurance company that will cover feel free to dm me!
 
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