Coverage for short-term rentals.
Insurance considerations for Airbnb- and VRBO-style properties — where temporary guests and frequent turnover can change the coverage picture.
Short-term rental use can differ from both owner-occupied and long-term rental arrangements. Coverage options may include the dwelling, guest-related liability, property damage, and loss of rental income. We help you understand what's available and how it may differ from standard homeowners or landlord policies.
Dwelling Coverage
Coverage for the physical structure of the property used for short-term rentals in the event of a covered loss.
Guest-Related Liability
Liability considerations related to temporary guests and the short-term occupancy of the property.
Property Damage
Coverage options may help with damage to the property or landlord-owned property caused by guests, subject to policy terms.
Loss of Rental Income
May help replace lost short-term rental income if the property becomes uninhabitable due to a covered loss, subject to policy limits.
Contents & Amenities
Coverage options may include furnishings, appliances, and amenities provided for short-term guests.
Guest Turnover
Frequent guest turnover and temporary occupancy can fall outside the assumptions of standard occupancy-based policies.
Platform & Management
Coverage availability can depend on the booking platform, length of stay, and whether the property is self-managed or professionally managed.
Liability Limits & Umbrella
Higher liability exposure from frequent guests may call for reviewing available limits and umbrella options, subject to eligibility.
Standard policies may not always fit.
A standard homeowners policy is generally designed for owner-occupied residences, and a landlord policy is typically built around longer-term tenants. Short-term rental use — frequent guest turnover, temporary occupants, and platform-based booking — can fall outside the assumptions of those policies.
Because the way a short-term rental is used can change the coverage picture, we help review options that may better match how the property is actually occupied and managed.
Homeowners Policies
A standard homeowners policy is designed for owner-occupied residences and may not account for paying short-term guests.
Landlord Policies
A landlord policy is typically built around longer-term tenants and may not fully address the frequency of short-term guest turnover.
Short-Term Use
Airbnb- and VRBO-style use — temporary guests, platform bookings, and frequent occupancy changes — can require coverage considerations that standard policies may not include.
Matching Coverage to Use
We help review options that may better align with how the property is actually used and occupied.
Review a short-term rental.
Tell us how the property is used and we'll help you review coverage options for short-term rental exposure.