Homeowners

Does short-term rental insurance cover guests staying through Airbnb or VRBO?

Standard homeowners policies exclude commercial rental activity. If you rent your home or a room through Airbnb or VRBO, your homeowners policy will likely not cover property damage caused by guests or a liability claim from a guest injury. Airbnb's AirCover provides some protection but has limitations and exclusions that make it insufficient as a standalone solution. A dedicated short-term rental policy covers the property during rental periods, guest liability, and loss of rental income -- filling the gaps that both your homeowners policy and the platform's coverage leave.

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Does short-term rental insurance cover guests staying through Airbnb or VRBO?

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