Short-Term and Vacation Rental Insurance
Short-term and vacation rental insurance covers a home you rent to paying guests for liability if a guest is injured, damage guests cause, theft of furnishings, and lost rental income after a covered loss. A standard homeowners policy typically excludes this business use, and a long-term landlord policy may not fit frequent guest turnover.
Renting your place to guests, whether for a weekend or a season, turns your home into a business in the eyes of most insurers. If you host in California, we can help you find coverage built for the way you actually rent.
What does short-term and vacation rental insurance cover?
- Liability if a guest is injured on your property.
- Damage caused by guests to your home or its contents.
- Theft of furnishings and belongings you provide for guests.
- Contents and furnishings you keep in the rental.
- Loss of rental income after a covered loss makes the property unrentable.
- Optional coverage tailored to how often you host.
Who needs it? Owners who list on platforms like Airbnb and VRBO, whether they rent a spare room, a guest house, or a whole second home. Common situations include a vacation property rented out between personal stays, a primary home hosted while the owners travel, and a dedicated investment property run as a short-term rental.
In California, earthquake and flood are typically handled separately, so a short-term rental policy generally will not include them. Many cities and counties also apply their own short-term rental rules, from permits and registration to occupancy limits and transient occupancy taxes. Platform host guarantees and host protection programs also tend to be limited in scope and are not a substitute for your own policy.
How we help: We start by understanding how you host, how often, which platforms, and whether the space is shared or dedicated, because those details shape the right coverage. We also point out when a personal umbrella can add a helpful liability layer.
