Short-Term Rental Insurance — host with confidence.
Airbnb and VRBO host protection has real gaps, and standard homeowners policies often exclude short-term rental use. We cover hosts properly — your property, your liability, and your income.
Coverage you probably need
Host Liability
Covers guest injuries and damage claims beyond platform protection.
Dwelling / Property
Covers the home itself, including short-term rental use.
Contents
Covers furnishings and items guests can damage.
Loss of Rents
Helps replace income if a covered loss takes the property offline.
What can go wrong
- A guest is injured and files a claim.
- A guest damages your property or furnishings.
- Your homeowners policy denies a claim due to rental use.
- A covered loss makes the unit unrentable for weeks.
What carriers usually ask
- Number of properties and whether they're owner-occupied.
- How many nights per year you rent.
- Which platforms you use.
- Any mortgage or HOA insurance requirements.
Common contract wording
Mortgage lenders and HOAs may require specific coverage and to be listed on the policy; platform "host protection" is not a substitute for your own policy.
State notes: Short-term rental rules and required coverage vary by city and state; we tailor to your locations.
Get covered for Short-Term Rental Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentShort-Term Rental Insurance FAQs
Doesn't Airbnb already cover me?
Platform programs help but have important gaps and exclusions. A dedicated host policy fills them.
Will my homeowners policy cover short-term renting?
Often no — many exclude or limit rental use, which can leave you exposed. We close that gap.
Can you cover multiple rental properties?
Yes — we can structure coverage across several units.
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.