Short-Term Rental Insurance

What Is Short-Term Rental Insurance?

Short-term rental insurance protects property owners who rent their homes through platforms like Airbnb, VRBO, or other vacation rental services. Standard homeowners and landlord policies often exclude or limit coverage for short-term rental activities, making specialized coverage essential for hosts.

Why You Need Short-Term Rental Insurance

• Standard homeowners policies may deny claims for rental activities
• Protects against frequent guest turnover and associated risks
• Covers business liability from hosting paying guests
• Protects your rental income if property becomes uninhabitable
• Platform protections have significant gaps and limitations

Common Coverages

Property coverage protects your home from damage caused by guests. Liability coverage protects you from injury claims and lawsuits from guests. Business income coverage compensates for lost rental income after covered damage. Contents coverage protects furnishings and supplies you provide for guests. Theft coverage protects against guest theft. Some policies offer coverage whether you're renting short-term, long-term, or living in the property yourself.

Is Platform Protection Enough?

Platform protections like Airbnb's Host Guarantee have significant limitations, exclusions, and claim requirements. They're secondary coverage and may not respond when you need them. Dedicated short-term rental insurance provides primary coverage and more comprehensive protection for your investment.