Building and contents
The property and the furnishings you supply for guests.
Personal Insurance
Short-term rental and Airbnb cover.
Platform host protection is not insurance, and your homeowners policy excludes business use. Short-term letting sits in the gap between them.
Renting a property to paying guests is a commercial activity, and most homeowners and landlord policies exclude it. Platform programmes such as host guarantees provide some protection but operate on their own terms, with their own exclusions and no obligation to defend you the way a policy does.
What the platform cover does not do
Host guarantees typically respond after other insurance, exclude certain property, and are administered at the platform's discretion rather than under an insurance contract. They are a backstop, not a programme.
A dedicated short-term rental policy covers the building, contents you provide, loss of rental income and liability arising from guests — and it responds regardless of which platform the booking came through, including direct bookings the platform never sees.
What it covers
The parts of a short-term rental insurance policy
Guest liability
Injury to paying guests, which homeowners policies exclude.
Loss of income
Booking income lost while the property is unlettable after a covered loss.
Theft and damage
Guest-caused damage and theft of contents, subject to the policy terms.
Working with us
What we do differently
We are an independent agency, so we place your short-term rental insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Tell your insurer you let short term — non-disclosure risks the whole policy
- Do not rely on a platform host guarantee as your only protection
- Make sure direct bookings are covered, not just platform bookings
Common questions
Short-Term Rental Insurance, answered
Does my homeowners policy cover Airbnb guests?
Generally no. Letting to paying guests is business use, which homeowners policies exclude. Not disclosing it can put the whole policy at risk, not just the letting claim.
Is the Airbnb host guarantee enough?
It provides some protection but it is not an insurance contract. It typically responds after other cover, carries its own exclusions, and does not defend you the way a liability policy would.
What about direct bookings?
Platform programmes only cover bookings made through the platform. A dedicated short-term rental policy covers guests however they booked, which matters as soon as you take direct reservations.
Related cover
Often arranged alongside this
Landlord Insurance
A homeowners policy will not cover a house you rent to someone else. Once tenants move in, the policy has to change with it.
Read moreBed and Breakfast Insurance
A B&B is a home and a business in the same building. Neither a homeowners policy nor a standard commercial policy fits it on its own.
Read moreHomeowners Insurance
Hail is the peril that defines property insurance in DFW. How your policy settles a roof claim matters more here than almost anywhere else in the country.
Read moreReady for a short-term rental insurance quote?
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