Insurance for short-term rentals.

Property, lost bookings, and liability for homes and condos you rent by the night or the week, written as the rental business it is instead of a homeowners policy that expects you to live there.

Start a property quote

Already insured? Get a free Gap Report on the policy you have.

What short-term rental owners usually carry

Dwelling at replacement cost
Lost rental income
Liability, $1M
Furnishings and contents
Guest damage and theft
Umbrella

Watch for these in a short-term rental policy

Lost bookingsRental income on a short-term rental should reflect your booking history and your peak season, not a flat monthly rent.
Platform protectionThe protection a booking platform offers is not a policy in your name. It has its own limits and rules, and most lenders will not accept it as your coverage.
Theft by guestsMany landlord policies exclude theft by occupants. A policy written for short stays can cover theft and sudden damage by guests.
Pools, hot tubs, and docksWater features bring many of the most serious injury claims in vacation rentals. Some carriers require fencing, alarms, or posted rules.
PartiesSome short-term rental policies exclude claims from parties or events that break your house rules. Know yours before a guest tests it.

What lenders and associations ask short-term rental owners for

The right policy typeLenders want a policy that shows short-term rental use, with them as mortgagee.
Association rulesCondo and HOA rules may require owners who rent by the night to carry liability and name the association.
A liability minimumAssociations that allow nightly rentals often set a minimum, frequently $1M.

Questions short-term rental owners ask

Straight answers.

The questions we hear most, answered plainly.

Does my homeowners policy cover a short-term rental?

Usually not. Most homeowners policies exclude business use, and renting by the night is business use. Some offer a limited home-sharing endorsement, but a policy written for rentals fits better.