Short-Term Vacation Rental Insurance in Florida
Turning your beach house or downtown condo into an Airbnb or VRBO listing is a great way to earn extra income—until a guest leaves the stove on, storms roll in, or a slip-and-fall ends in a lawsuit. A dedicated short-term rental policy blends elements of homeowners, landlord, and commercial coverage so you stay protected every time a new guest checks in.
Core Protections
| Coverage | What It Safeguards |
|---|---|
| Dwelling & Contents | Repairs the structure and replaces furnishings, electronics, and décor after fire, theft, vandalism, or windstorm. |
| Host Liability | Pays legal fees, medical bills, and settlements if guests are hurt or damage someone else’s property. |
| Loss of Rental Income | Reimburses lost nightly revenue when a covered loss forces you to cancel bookings. |
| Guest Property | Optional add-on that reimburses visitors if their belongings are stolen or damaged while staying in your unit. |
| Guest-Caused Damage | Covers accidental (or intentional) damage a traveler inflicts on your home, pool, hot tub, or amenities. |
Why Standard Policies Fall Short
Homeowners insurance often voids coverage once you earn money from short stays.
Landlord policies assume long-term tenants, not a revolving door of guests.
Platform guarantees (e.g., Airbnb Host Guarantee) are secondary and come with caps and exclusions.
Florida-Specific Risks
Hurricanes and tropical storms that can halt bookings for weeks.
Higher liability exposure from pools, docks, or water-sport rentals.
Year-round guest turnover, increasing wear-and-tear and the chance of accidents.
Pricing Factors
Location (coastal vs. inland, flood zone status)
Property type and size (condo, townhouse, single-family)
Average occupancy rate and rental frequency
Amenities such as pools, bikes, or watercraft
Chosen deductibles and coverage limits
Get a Free Quote Today
Florida Best Quote compares leading carriers to craft a short-term vacation rental policy that keeps your property—and your income stream—secure. Call or click now for a no-obligation quote and greet your next guests with total peace of mind.
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