Short-Term Rental Insurance
Protection for Airbnb, VRBO, and vacation rentals.
Typical cost: $1,500 – $4,000+ per year
Short-Term Rental Insurance
Short-term rental insurance covers properties listed on Airbnb, VRBO, and similar platforms. Standard landlord policies exclude short-term rentals, leaving hosts exposed without specialized coverage.
Platform Coverage Gaps
Airbnb and VRBO offer Host Protection programs, but these have gaps: they're secondary coverage, have exclusions, and may not cover the dwelling. Dedicated short-term rental insurance provides primary, comprehensive coverage.
What's covered
Dwelling Coverage
Primary coverage for the rental property structure.
Liability Protection
Covers guest injuries and property damage claims.
Income Protection
Covers lost bookings when property is damaged.
Theft Coverage
Covers theft by guests, which traditional policies may exclude.
Contents Coverage
Protects furniture and amenities provided to guests.
Tips
- • Platform coverage is secondary—you need primary insurance
- • Standard landlord policies exclude short-term rentals
- • Verify coverage for guest-caused damage and theft
- • Higher liability limits recommended for constant guest turnover
- • Document inventory and condition between guests
Other landlord insurance types
Single-Family Rental Insurance
Coverage for single-family rental homes.
Multi-Family Rental Insurance
Insurance for duplexes, triplexes, and apartment buildings.
Commercial Rental Insurance
Coverage for commercial rental properties.
Vacant Property Insurance
Coverage for unoccupied rental properties.
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