Airbnb® Insurance Quotes — Purpose-Built Short-Term Rental Coverage for Hosts & Property Managers
Renting your home or investment property to guests is a real business—standard homeowners or landlord insurance often isn’t enough. A dedicated short-term rental (STR) policy can address guest-related liability, building and contents coverage during paid stays, lost income after a covered claim, and common exclusions found in traditional policies. As an independent agency, Blake Insurance Group compares multiple carriers so hosts can choose the smart-cheapest option without sacrificing the wording that matters at claim time.
Why Short-Term Rental–Specific Insurance (Not Just a Homeowners Policy)
- Business exposure: Paid stays can void or limit coverage on standard homeowners/landlord policies unless specifically endorsed.
- Guest liability: A guest injury or property damage claim is different from a friend visiting your home; you need the right liability language.
- Income at risk: If a covered loss shuts you down during peak season, lost rental income coverage can be the difference between a setback and a spiral.
- Platform protections ≠ insurance: Platform programs may have exclusions, limits, and documentation requirements and typically don’t replace a standalone policy. Always review terms.
What an STR Policy Should Include (and Why It Matters)
| Coverage | What It Does | Host Tip |
|---|---|---|
| Dwelling/Building | Repairs the structure after covered perils (fire, wind, etc.) during guest or owner occupancy | Confirm you’re covered during paid stays and between guests |
| Contents/Household Items | Furniture, linens, electronics, décor used for hosting | Inventory with photos; consider higher theft/vandalism limits |
| Host Liability | Protects against guest injuries or damage to others | Ask about animal liability, pool/hot tub, bikes/kayaks, and liquor liability |
| Loss of Rents/Business Income | Replaces lost booking income after a covered claim | Choose a limit aligned with peak season revenue, not annual average |
| Ordinance or Law | Code upgrade costs required by the city after a loss | Crucial for older homes and coastal/wildfire markets |
| Equipment Breakdown | Mechanical/electrical failure (HVAC, appliances, smart-home systems) | Pairs well with surge protection; great for tech-heavy listings |
| Vandalism/Theft by Guests | Protects hosts when property is intentionally damaged or stolen | Look for explicit wording on guest-caused losses |
| Umbrella Liability | Extra liability limits above your base policy | Important if you host groups, have a pool, or valuable assets |
Policy names and availability vary by carrier and state. Your declarations and endorsements control coverage.
Common Host Scenarios (and How Policies Typically Respond)
| Scenario | Risk | Coverage Angle |
|---|---|---|
| Guest slips on wet pool deck | Injury claim, medical bills, potential lawsuit | Host liability + safety rules/signage; consider umbrella |
| Kitchen fire during a stay | Structural/contents damage; canceled bookings | Dwelling/contents + loss of rents (with proper STR form) |
| Guest steals electronics | Out-of-pocket replacement and future bookings risk | Look for theft by guest wording; document inventory |
| Pipe burst while vacant between stays | Water damage; remediation and downtime | Water damage coverage; sensors and auto-shutoff help |
| Dog bite incident | Medical claim, potential legal action | Confirm animal liability terms or exclusions |
Always follow local safety codes and house-rule disclosures—good risk management lowers claims and premiums.
What Drives STR Insurance Price (and How to Control It)
| Factor | Why It Moves Rate | Smart Moves |
|---|---|---|
| Location & Construction | Coast/wildfire/hail/crime; older wiring/plumbing | Document updates; install monitored alarms and leak sensors |
| Occupancy Pattern | High guest turnover raises frequency risk | Minimum-night stays, verified IDs, exterior cameras (where lawful) |
| Amenities | Pools, hot tubs, bikes/kayaks add liability | Safety gear, signage, maintenance logs, clear rules |
| Limits & Deductibles | Broader limits cost more; higher deductibles save | Raise deductibles before cutting essential protections |
| Loss History | Prior claims reduce market appetite | Show repairs, add mitigation devices, keep incident logs |
We’ll quote multiple carriers with identical specs so you see true value, not teaser pricing.
Permits, Agreements & COIs (Certificates of Insurance)
Cities, HOAs, and platforms may require permits, occupancy limits, safety devices, and proof of insurance. Send us your exact wording—e.g., Additional Insured or Waiver of Subrogation—and we’ll issue a compliant COI once your policy is active. Co-hosts and property managers should be named correctly to avoid gaps.
Risk-Mitigation That Actually Saves Hosts Money
- Leak & freeze sensors with auto-shutoff: Water losses are frequent and expensive.
- Monitored security & exterior cameras (where lawful): Deter parties; verify headcount and pets.
- Pool/hot-tub safety: Fences, alarms, anti-entrapment drains, posted rules, and regular chemical logs.
- Smart rules in listings: Age limits, quiet hours, no-party policies, local law compliance, and deposit terms.
- House manual + checklists: Clear instructions reduce mishaps and claims—and earn better reviews.
Airbnb Insurance — FAQs
Does my homeowners policy cover Airbnb guests?
Often not without an endorsement. Many policies exclude or limit coverage for business use and paid guests. A dedicated STR form is the safer route.
What about the platform’s host protections?
Platform protections can help, but they usually have limits, exclusions, and documentation requirements. They are not a replacement for a standalone STR policy.
Can I get coverage for lost bookings after a claim?
Yes—look for loss of rents/business income coverage triggered by a covered property loss. Choose limits based on peak-season revenue.
Do I need an umbrella policy?
Strongly recommended for properties with pools, rooftop decks, or high occupancy. An umbrella adds higher liability limits above your STR policy.
Can you issue Certificates of Insurance for my HOA or city?
Yes. Share the exact contract or ordinance wording (e.g., Additional Insured, Primary & Non-Contributory, Waiver of Subrogation) and we’ll issue a compliant COI once bound.
Blake Insurance Group is an independent insurance agency (NPR/NPN 16944666). Availability, eligibility, limits, deductibles, and pricing vary by carrier and state. This page is general information and does not modify any policy. Always review your declarations and endorsements. Airbnb® is a registered trademark of its owner and is not affiliated with this site.
