OP needs to do some homework. What some insurance agent tells you won't matter if it's not in the policy language. Same thing for the CC's.

Then figure out what the policy "holes" are. For 9 days, maybe those "holes" can be plugged through your primary insurance, maybe through a secondary policy and maybe it's worth taking the rental coverage.

The key is to remember that cheaper isn't necessarily better. Are the policy limits sufficient to cover your needs (your assets & future income potential)? Are there are exclusions which concern you?