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.
Short-Term Rental Liability — Built for Hosts
Short-term rental liability is the purpose-built policy for people who rent their property to paying guests. Rather than bolting rental activity onto a homeowners policy that excludes it, an STR policy is designed around the host's actual exposures — guest injuries, host liability, and the realities of platform and direct bookings.
What It Covers
- Guest and third-party bodily injury arising from the rental
- Host liability for incidents connected to the stay
- Property damage to others' property tied to your operation
- On-platform and direct bookings — not just one channel
- Legal defense for covered claims
The Gap It Closes
Two things leave most hosts exposed:
1. Homeowners business-use exclusions that deny rental-related claims 2. Platform host guarantees (AirCover, VRBO's program) that are conditional, limited, and don't apply to direct bookings or off-platform stays
Short-term rental liability is written to respond where both of those fall short.
Direct Bookings Matter
As hosts move bookings to their own websites and repeat guests to avoid platform fees, they lose whatever limited platform protection existed. A standalone STR liability policy follows your business across every booking channel.
Single Property or Portfolio
Whether you host one cabin or operate a portfolio of vacation homes (or a small property-management firm handling owners' units), we structure short-term rental liability — and the property, income, and umbrella coverages around it — to match how you actually operate.
What's Covered
Frequently Asked Questions
A homeowners policy is for an owner-occupied residence and typically excludes business/rental use. Short-term rental liability is built around the host business — guest injuries, host liability, and bookings across platforms and direct channels.
Yes. A standalone short-term rental liability policy follows your business across all booking channels — platform and direct — unlike platform host guarantees, which only apply to bookings made on that platform.