SHORT-TERM RENTAL INSURANCE · GEORGIA

Short-term rental insurance for Georgia Airbnb and VRBO hosts.

Airbnb's AirCover and VRBO's coverage programs provide some protection but they are not insurance policies. Both have exclusions and claim processes that regularly leave hosts with gaps. A dedicated short-term rental policy covers your property commercially from the first night of your first guest.

Free Coverage Review

WHAT'S COVERED

What short-term rental insurance covers

Property Damage Coverage

Covers the physical property during guest stays and between rentals.

Host Liability Coverage

Pays if a guest is injured on the property. Most home-sharing platforms provide some liability but limits are often lower than they appear.

Lost Rental Income

Pays lost rental income if the property is damaged and unavailable for booking during repairs.

IMPORTANT LIMITATIONS

What short-term rental insurance does not cover

Uncovered personal homeowners policy

Most homeowners policies exclude short-term rental activity entirely. The property must be disclosed as a rental.

Guest personal property

Guest personal property and belongings are not covered by the host's policy.

Intentional guest damage

Intentional damage by guests may be subject to different claims handling.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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GET STARTED

Hosting on Airbnb or VRBO in Georgia?

Airbnb and VRBO coverage has significant gaps that most hosts don't discover until they file a claim. Send us your property details and hosting arrangement and we will show you what actual coverage looks like.

$1,500 to $5,000 per year for most short-term rental properties

Free Coverage Review