Coverage Options
Vacation & Short-Term Rental Insurance
Every policy a vacation or short-term rental owner needs — in one place, from specialists who know the hosting business.
General Liability Insurance
General liability is the foundation policy for any short-term rental host. It protects against third-party claims of bodily injury and property damage tied to renting your property to paying guests — the exposure a homeowners policy excludes.
Premises Liability Insurance
Premises liability covers injuries that happen on your rental property itself — the slips, falls, pool and hot tub incidents, and stairway and balcony accidents that are the most common short-term rental claims.
Short-Term Rental Liability Insurance
Short-term rental liability is coverage designed specifically for the host business — covering guest and third-party claims arising from renting your property, including bookings a homeowners policy and platform guarantees won't.
Property & Contents Insurance
Property & contents insurance covers the physical rental — the structure plus the furniture, appliances, electronics, and furnishings inside — against fire, storm, water, theft, and damage, including damage caused by guests.
Loss of Rental Income Insurance
Loss of rental income (fair rental value / business interruption) replaces the booking revenue you lose when a covered event — fire, water, or storm damage — forces you to cancel reservations while the property is repaired.
Umbrella / Excess Liability Insurance
Umbrella (excess) liability sits on top of your general, premises, and short-term rental liability policies, adding $1M–$5M of protection for the catastrophic guest-injury claims that can exceed primary limits.
Workers Compensation Insurance
Workers compensation covers medical expenses and lost wages when cleaners, maintenance workers, or other staff you employ are injured working at your rental — required in most states once you have employees.
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