Doesn't my homeowners policy cover short-term renting?

Usually not adequately. Standard homeowners policies are written for owner-occupied use and often limit or exclude losses tied to short-term rental activity. A dedicated short-term rental policy blends elements of home, landlord, and commercial coverage to fit how the property is actually used.

Aren't I covered by Airbnb or VRBO's protection?

Platform protections such as Airbnb's host coverage are generally secondary and come with caps and exclusions. They're not a substitute for your own policy, which is why many Florida hosts carry dedicated coverage.

What does short-term rental insurance cover?

Coverage can include the dwelling and contents, liability for guest injuries, lost rental income after a covered loss, and damage caused by guests, scoped to your rental activity and policy terms. Flood is separate.

What affects the cost?

Location (coastal vs. inland and flood-zone status), property type and size, how often it's rented and typical occupancy, amenities like pools or watercraft, and the limits and deductibles you choose.

Short-Term Vacation Rental Insurance Quotes in Florida

Listing your place on Airbnb or VRBO is great income, until a guest mishap or storm. A dedicated short-term rental policy helps cover the gaps.

Get my quote Call (727) 584-9999

Turning your beach house or downtown condo into an Airbnb or VRBO listing is a solid way to earn extra income: until a guest leaves the stove on, a storm rolls in, or a slip-and-fall becomes a lawsuit. A dedicated short-term rental policy blends elements of homeowners, landlord, and commercial coverage to help protect your property and finances based on your rental activity. As an independent agency, we compare A-rated carriers and match coverage to how you host.

Core protections

Dwelling & contents

The structure and the furnishings you provide for guests.

Guest liability

Claims if a guest is injured during their stay.

Lost rental income

Helps replace income when a covered loss takes the property off the market.

Guest-caused damage

Damage beyond normal wear from short-term guests.

Florida-specific risks

Hurricanes and tropical storms can halt bookings for weeks; pools, docks, and water-sport amenities raise liability exposure; and year-round guest turnover increases wear and the chance of an accident. We help build coverage with those realities in mind.

Coverage matched to rental activity Occasional host or near-full-time. We scope it accordingly.
Compare A-rated carriers Several companies that write short-term rentals.
Mind the amenities We factor in pools, docks, and watercraft when setting liability.
Local licensed agents Bay-area agents who understand coastal rentals.

FAQ