Property & Contents Insurance

Property & Contents for Vacation Rentals

Your vacation rental is both a building and a fully furnished business asset. A standard homeowners or landlord policy may not properly cover a property used for short-term stays — or the high turnover of furnished contents that guests use every week. Property & contents coverage protects both the structure and everything in it.

What's Covered

• The building/structure against fire, storm, lightning, and covered perils
• Furniture and furnishings — beds, sofas, dining sets, decor
• Appliances and electronics — TVs, kitchen appliances, smart-home devices
• Guest-caused damage beyond normal wear (per policy terms)
• Theft and vandalism of contents
• Water damage from plumbing failures and appliance leaks

Why STR Property Coverage Is Different

A furnished rental sees constant guest use and turnover. Contents wear out and get damaged far faster than in a private home, and a property left vacant between bookings carries its own risks. We place coverage built for how a short-term rental is actually used — furnished, occupied by strangers, and sometimes seasonally vacant.

Replacement Cost vs. Actual Cash Value

Furnishing a rental to a competitive standard is expensive. Where available, we pursue replacement-cost terms so a fire or major water loss lets you re-furnish at today's prices rather than a depreciated value.

Coordinating With Loss of Rental Income

When a covered property loss forces you to cancel bookings, the lost revenue is addressed by loss of rental income coverage — which we pair with property & contents so a single event doesn't hit you twice (repair costs *and* lost income).