Short-Term Rental

We’ll guide you through options and find what’s best for you.

What is short-term rental insurance?

What should you do when renters cause significant damage to the cabin you've rented out? Or, if you're investing in new properties and intend to rent them out on Airbnb, do you have adequate coverage? Bottom line: Short-term rental insurance is a must-have.

Short rental insurance, or vacation rental insurance, is designed to provide specific protection for home-share arrangements. As an independent agent, we have access to many carriers that can fit your needs for your short-term rental property. These policies are not just about protecting your property and offering liability coverage, but can also cover amenities or equipment rentals you provide. Plus, they can offer coverage for loss of use or income if your property becomes uninhabitable and unrentable due to damage. Depending on the policy, it can be available for those who rent their home for a short period, like a week, a weekend, or even a whole season. Factors that must be considered are location, property construction (frame, log-sided, true log, hand-hewn log, etc.), age, location, pool, roof, etc. It's all about understanding the options for your location and situation, and partnering with an experienced insurance agent – that’s us!

Man on a cabin deck in the mountains talking on his phone

What to know about
short-term rental insurance.

Most new and seasoned property investors have common questions when choosing a short-term rental insurance policy. Finding the right insurance for your unique investments can be confusing with all the options, regulations, requirements, and exclusions available. You don’t want to be left without coverage because you don’t understand what you are buying or simply choose the most affordable option. That’s where we are different from most agencies: We’ll ensure you are informed, educated, and fully confident before making your choice.

Short-term rental guest arriving at a mountain cabin with a suitcase

Find honest advice and answers.

We know you have questions. We’ll answer your questions honestly and offer the information and education you need to choose the best short-term insurance coverage. Market changes, industry trends, and other issues impact the insurance industry and policies. We’ll share the latest changes and best options available for you.

Common Short-Term Rental
Insurance FAQs:

We recommend coverage to replace the actual dwelling, furnishings, rental income, and liability at a minimum.
Several factors determine the cost of a short-term rental policy – size, style, and age of the dwelling; insurer’s credit and insurance score; coverage amount and optional endorsements; and claims/loss history
At the very least, a home-sharing endorsement is required. However, not all policies are created equal. Coverages may vary by carrier.
Our team will be with you every step of the way if and when the time comes to file a claim.
Typically, it is required if you rent out your home (or any part of it) on a daily or weekly basis. However, different carriers have various definitions on short-term rental insurance. We will tailor the policy to your specific needs.

Coverage Options for Short-Term Rentals Include

Regulations and requirements vary by state, and various coverage options exist. We understand the unique needs of short-term rental owners and strive to provide comprehensive coverage tailored to you and your financial situation.

Property Damage/Natural
Disaster Protection

Liability
Insurance

Rental Income
Replacement

Guest Injury
Coverage

Talk with Us

Carrier Partners

At our core, we're dedicated to delivering the perfect combination of affordability, comprehensive coverage, and top-notch service. We offer comprehensive policy options by partnering with various insurance providers. Let us handle the details so you can have peace of mind knowing that you, your family, and your belongings are safe and protected.