Short-Term Rental & Airbnb Insurance
Specialized coverage for vacation rentals, Airbnb, VRBO, and other short-term rental properties. Protect your income and property from the unique risks of hosting guests.
Short-Term Rental Coverage Options
Standard homeowners or landlord insurance typically doesn't cover short-term rentals. As an Airbnb or VRBO host, you face unique risks that require specialized coverage.
Property Damage
EssentialCovers damage to your property caused by guests, including accidental damage to furnishings, fixtures, and structure beyond normal wear and tear.
Liability Protection
IncludedProtects you if a guest is injured on your property or if they cause damage to neighboring properties, covering legal fees and settlements.
Loss of Income
IncludedCompensates for lost rental income if your property becomes uninhabitable due to a covered loss, ensuring your cash flow continues.
Guest Coverage
IncludedCovers medical payments for guests who are injured at your property, regardless of fault, helping prevent lawsuits and maintain good reviews.
Booking Cancellation
OptionalProtects you from lost income when guests cancel bookings due to covered events, such as severe weather or mandatory evacuations.
Contents Protection
IncludedCovers theft or damage to furnishings, electronics, appliances, and other contents provided for guest use in your rental property.
Why Platform Insurance Isn't Enough
Airbnb's Host Protection Insurance and similar platform coverage have significant gaps. Here's why you need your own policy:
Platform coverage only applies during active bookings - not between guests
High deductibles and claim limitations can leave you with significant out-of-pocket costs
Coverage may be denied if you don't follow all platform rules and policies
Your regular homeowners insurance may be voided if you rent without proper coverage
Platforms can change their coverage terms at any time without notice
Personal liability coverage may be insufficient for serious injury claims
Short-Term Rental Insurance FAQs
Do I need insurance if I only rent occasionally?
Yes. Even occasional short-term rentals change your insurance needs. Most homeowners policies exclude any commercial rental activity. A single rental could void your coverage if you don't have proper protection.
What if a guest causes major damage?
With proper short-term rental insurance, damage caused by guests is covered. Without it, you may be responsible for repair costs out of pocket. Platform coverage often has caps and high deductibles.
Is my personal property covered?
Yes. Short-term rental policies typically cover furnishings, appliances, and items you provide for guest use. High-value items may need to be scheduled separately.
What about liability if a guest is injured?
Short-term rental policies include liability coverage for guest injuries. This is crucial as platform coverage may be secondary to your own insurance and can be denied.
Can I insure multiple rental properties?
Yes. We can provide coverage for multiple short-term rental properties, often with multi-property discounts. Each property's coverage can be customized to its specific needs.
Get Your Airbnb Quote
Protect your short-term rental with specialized host coverage.
What You'll Need for a Quote
- Property address and type
- Expected rental frequency
- Average nightly rate
- Contents value estimate
Related Coverage
ProtectYourShort-TermRental
Get specialized coverage for your Airbnb, VRBO, or vacation rental. Don't rely on platform coverage alone.