Short-Term Rental Insurance
Specialized coverage for Airbnb and vacation rentals. Standard landlord insurance does not cover short-term rental liability gaps.
Key Benefits
Covers short-term guest liability
Protection for frequent tenant turnover
Coverage for damage caused by guests
Business liability included
Loss of rental income protection
Ideal For
Airbnb property owners
Vrbo listing owners
Vacation rental operators
Properties with weekly/nightly bookings
Coverage Highlights
- •Guest liability coverage
- •Property damage by guests
- •Host protection
- •Contents coverage for furnishings
- •Emergency repairs coverage
Average Cost
$1,200-$2,500/year
Actual costs vary based on property details, location, claims history, and specific coverage limits.
Common Misconceptions
Landlord insurance covers Airbnb (it typically does not)
Airbnb host protection is sufficient (it is limited)
Standard homeowners policies cover rentals (explicit exclusion)
STR insurance is optional (often required by lenders)
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