Short-Term Rental Insurance
Most owners of short-term rental properties are not aware their homeowners or landlord insurance does not adequately cover Airbnb® and Vrbo® exposure. When you entrust your property to a paying short-term rental guest, giving them the keys to your house, insurance contracts begin to break down and big gaps in coverage exist. Common gaps would be damage caused by a guest such as fire, vandalism, theft, lost business income and a plethora of liability concerns surrounding the potential injury to a guest.
Having Commercial Short-Term Rental Insurance Makes All The Difference
Simply adding a limited endorsement to a homeowners or landlord policy and calling it short-term rental insurance is not good enough. Too many property owners have found out the hard way when it comes time to file a claim. One short-term rental owner got so upset his claim was denied, he took his insurance story to the press.
The only way to comprehensively insure a short-term rental property is with a commercial package policy. Our commercial policy is second to none in the vacation rental industry and why over 30,000 owners have chosen Proper Insurance.
- $1MM/$2MM Commercial General Liability (extends off-premise and to amenities: bikes, boats, golf carts, and more).
- No Vacancy Clause.
- Bed Bug Protection ($15k for removal/income with no deductible).
- Intentional acts of Theft & Vandalism by guests covered to contents limit.
- Liquor Liability exclusion removal.
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