Short-Term Vacation Rental Insurance

Comprehensive insurance coverage for seasonal and rental homeowners using Airbnb, HomeAway®, VRBO®, or any other vacation home rental service.

When renting out your home, a standard homeowners policy likely provides little to no protection for property damage or injuries sustained by a guest.

get vacation rental Quote

Did you know?

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Your home’s market value and replacement cost are two different amounts.

Insuring Your Vacation Property

Do you have a short-term rental property or seasonal vacation home and looking for protection similar to your full-time residence coverage?

We offer dwelling special policies which are like a homeowners policy but have increased liability limits that are required by property managers. Renting your home to friends, family or strangers comes with unique risks.

When renting through a service provider such as Airbnb, HomeAway®, VRBO®, or any other vacation home rental service, you may have a coverage gap.

The vacation rental industry is rapidly growing each year. As a property owner or manager, it’s certainly worth protecting yourself and the property by investing in vacation rental insurance.

Providing Comprehensive Coverage

The policy is written as a business policy giving you coverage for:

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Building(s)

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Commercial business liability

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Business income (loss of rent)

It also includes personal liability when the vacation rental “doubles” as the owner’s primary residence.

*Coverages vary by state, offerings, and carriers.

Call for a Vacation Rental Quote:

(865) 584-1115

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Failure to disclose you’re using a short-term vacation home rental service could lead to the denial of a claim because many companies have a business use exclusion in their home insurance policy.

F.A.Q

Vacation Rental Quote

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If you’re renting out your vacation property for money, it’s considered a business activity and probably not covered by the homeowners policy.

What is short-term vacation rental insurance?

It’s specialty coverage or an “endorsement” that’s added to your homeowners policy to protect you, your short-term renters, and the personal belongings of both parties from damage and harm due to a number of causes.

It offers true comprehensive protection for short-term and occasional rentals, it can even be used to cover temporary vacancies.

Do I need a special vacation rental insurance policy for my rental property or seasonal home?

The short answer is yes.

Homeowners insurance is designed for an owner-occupied property and many limit coverage when the dwelling is rented on a short-term or occasional basis.
A landlord insurance policy is designed to be tenant-occupied and won’t provide full coverage for your rental property.
Rental platform policies offer some protection from minor issues by guests but its insufficient when it comes to more serious cases.

Vacation rental insurance provides:

Specialty coverage is designed specifically to protect your property.
Additional protection.
Some gap coverage.
Addresses the unique risks that owners face daily.

Vacation rentals typically have three uses throughout the year including:

Rental guest stays
Owner’s vacations
Periods of being unoccupied.

Get a policy that covers all three.

What does vacation rental property insurance usually cover?

A short-term rental property insurance policy usually covers:

Liability Coverage: Personal injury experienced by your guests (renters), their guests, or anyone else at your rental property. This would pay for legal defense should someone sue you in addition to providing money for their medical bills.
Contents and structure coverage: The building and its contents (your furniture and other belongings) are covered in the event of damage, theft, fire, etc. It might also cover amenities such as a swimming pool, hot tub, golf cart, bikes, or small watercraft.