Coverage for Airbnb, Vrbo, long-term rentals, condos, fix & flip, and fix & rent properties.
Investment properties do not all fit in one insurance box. Whether your property is rented nightly, leased long-term, being renovated for resale, or being fixed up to hold as a rental, We Insure Things helps you review options quickly and clearly.
Property insurance built around how investors actually use properties.
A short-term rental, long-term rental, condo rental, renovation project, flip, and buy-and-hold property can each create different insurance questions. The goal is to match the coverage to the property’s real use.
Airbnb properties
Coverage review for homes rented to guests through Airbnb, including property, liability, contents, and rental income considerations.
Vrbo rentals
Insurance options for vacation rentals and furnished properties used for guest stays through Vrbo and similar platforms.
Long-term rentals
Landlord insurance review for single-family rentals, duplexes, small multifamily properties, and leased residential investment properties.
Condo rentals
Coverage for investor-owned condos, including interior improvements, contents, loss assessment, liability, and rental exposure.
Fix & Flip
Insurance review for properties purchased to renovate and sell, including vacant, under-renovation, and builder risk considerations.
Fix & Rent
Coverage options for properties being renovated now and held as long-term or short-term rental investments after completion.
Broad property appetite can make hard-to-place rentals easier to review.
Some investment properties get declined too quickly because they are older, have unique rental use, are being renovated, or do not fit a standard homeowners policy. This program is designed for a broader range of investor-owned properties.
Coverage areas to review for rental and investor properties
The right policy depends on whether the property is rented short-term, rented long-term, vacant, occupied, under renovation, condo-owned, furnished, or being prepared for sale.
- ✓Dwelling or building coverage
- ✓Landlord or premises liability
- ✓Short-term rental exposure review
- ✓Furnished contents or business personal property
- ✓Loss of rents or rental income options
- ✓Vacancy and renovation considerations
- ✓Condo unit and loss assessment considerations
- ✓Fix & flip or fix & rent underwriting review
Why a standard homeowners policy may not be enough
A property used for Airbnb, Vrbo, long-term rental, renovation, resale, or investment income may not fit a traditional homeowners policy. Guest stays, tenant occupancy, vacancy, construction activity, and rental income can change the exposure.
We Insure Things helps you explain the property clearly so the coverage is built around the actual use, not a guess.
Guest exposure
Short-term rentals bring different liability and property questions than owner-occupied homes.
Renovation exposure
Fix and flip or fix and rent properties may need review for vacancy, construction, materials, and project timelines.
Income exposure
Rental income, loss of rents, and seasonal occupancy can matter when a covered loss interrupts the property’s use.
How the quote process works
Better details lead to faster underwriting. Many eligible properties can move quickly when the property use is clear.
Tell us the rental strategy
Airbnb, Vrbo, long-term lease, condo rental, fix and flip, fix and rent, vacant, occupied, or under renovation.
Share the property details
Address, year built, roof details if known, updates, occupancy, square footage, purchase price, and desired coverage amount.
Review underwriting fit
We review the property against available appetite, including older property eligibility and roof-age flexibility where available.
Bind when eligible
When the property qualifies and all required information is complete, coverage may be bindable quickly or even instantly.
Information to have ready
A few details can help us move faster and reduce back-and-forth with underwriting.
Property basics
Address, year built, square footage, construction type, purchase price, estimated replacement cost, and current occupancy.
Rental or project use
Airbnb, Vrbo, long-term rental, vacant, condo, fix and flip, fix and rent, renovation timeline, and expected completion date.
Coverage details
Desired building limit, contents amount, liability limit, loss of rents needs, mortgagee information, and closing date if applicable.
Frequently asked questions
Quick answers for landlords, real estate investors, Airbnb hosts, Vrbo hosts, and fix-and-flip buyers.
Can Airbnb and Vrbo properties be insured?
Yes, many short-term rental properties can be reviewed for coverage. The policy should match how the property is actually used, including guest stays and rental income exposure.
Can long-term rentals and short-term rentals be written under the same program?
Many investor property programs can review both long-term and short-term rental exposures, but eligibility depends on the property, occupancy, location, and underwriting guidelines.
Can older properties be considered?
Yes. The stated appetite may consider properties as old as 1870, subject to underwriting review, condition, occupancy, location, and complete property details.
Is there a roof age requirement?
The stated appetite has no hard roof age requirement, but roof condition, property maintenance, claims history, and underwriting details may still be reviewed.
Can fix and flip properties be covered?
Yes, fix and flip projects may be reviewed. Underwriting may ask about renovation scope, vacancy, project timeline, contractor involvement, and intended resale plans.
What is fix and rent insurance?
Fix and rent refers to a property being renovated now and held as a rental after completion. The insurance should account for the renovation phase and the future rental use.
Can coverage be bound instantly?
Some eligible properties may be bindable instantly when underwriting information is complete and the property fits appetite. Coverage is not guaranteed until the carrier binds the policy.
Have a rental, flip, or investor property that needs coverage fast?
We Insure Things can help review options for Airbnb, Vrbo, long-term rentals, condos, fix and flip projects, and fix and rent properties.