Insurance for short-term rental hosts and operators
A standard homeowners policy usually excludes short-term rental use, and a typical landlord policy isn't built for nightly guest turnover either. We place coverage written specifically for short-term rentals.
Get a quote
What we cover
Short-term rental liability
Covers guest injury and other third-party claims tied to short-term occupancy, which a standard homeowners policy usually doesn't.
Dwelling and contents
Covers the structure, furnishings, and appliances that see extra wear from frequent guest turnover.
Loss of rental income
Covers lost booking revenue if your property becomes unusable after a covered loss.
Flood and windstorm
Covers named storm and flood damage for coastal and near-coastal rental properties.
Platform and HOA compliance
Provides the coverage documentation that Airbnb, VRBO, and many condo or HOA agreements require.
Portfolio and umbrella
Covers multiple units under one program, plus extra liability limits as your portfolio grows.
Who we work with
We work with hosts renting out a single unit and operators managing several units across Florida. If you list a property on Airbnb or VRBO and you're still on a standard homeowners or landlord policy, it's worth a second look.
Also own the property outright as an investment?See our real estate investor coverage.
Not sure if your policy covers short-term rental use?
Send us your declarations page and we'll tell you where the gaps are.
Get a quote