Olive Cover
About
🍑 Georgia
Free Coverage Review

SHORT-TERM RENTAL INSURANCE · GEORGIA

Georgia short-term rental insurance for Airbnb, VRBO, and corporate short-stay.

A homeowners policy excludes rental use. A landlord policy excludes short-term rental. Airbnb's Host Protection is limited liability, not property. Short-term rental operators need purpose-built coverage, and carrier appetite in Georgia right now is tight. We place it where it actually fits.

Free Coverage Review

WHAT'S COVERED

What a Georgia STR policy covers

Dwelling and Contents

Covers the rental structure plus the furnishings you provide for guests. Standard landlord policies do not cover STR contents.

Commercial Liability

Pays for guest injuries and guest-caused damage. Carries $500k or $1M limits. Airbnb and VRBO host protection is secondary.

Lost Rental Income

Pays the rental income you would have earned while the property is unlivable. Often the largest coverage on the policy.

Bed Bug and Theft

Covers guest-caused infestations and theft of furnishings. Two of the most common STR claims, both excluded on landlord policies.

Dwelling and Contents

Covers the rental structure plus the furnishings you provide for guests. Standard landlord policies do not cover STR contents.

Commercial Liability

Pays for guest injuries and guest-caused damage. Carries $500k or $1M limits. Airbnb and VRBO host protection is secondary.

Lost Rental Income

Pays the rental income you would have earned while the property is unlivable. Often the largest coverage on the policy.

Bed Bug and Theft

Covers guest-caused infestations and theft of furnishings. Two of the most common STR claims, both excluded on landlord policies.

IMPORTANT LIMITATIONS

What STR insurance does not cover

Long-term tenant use

If the same guest stays for more than 30 days, the property may need a landlord policy for that period instead. Mixed-use (short and long term) needs both a landlord and an STR policy, or a hybrid product.

Guest personal property

Guest belongings are the guest's problem. Some carriers offer a small guest-property sub-limit, but this is not the primary purpose of the policy.

Flood, earth movement, and pandemic

Standard property exclusions apply. Flood, earthquake, and pandemic closures are excluded unless endorsed or separately insured. Business interruption from a public health order is rarely covered.

Undeclared operations

Running an STR on a personal homeowners policy without declaring it is the single most common reason for claim denial. The carrier needs to know the property is a rental before a claim occurs.

IMPORTANT LIMITATIONS

What STR insurance does not cover

Long-term tenant use

If the same guest stays for more than 30 days, the property may need a landlord policy for that period instead. Mixed-use (short and long term) needs both a landlord and an STR policy, or a hybrid product.

Guest personal property

Guest belongings are the guest's problem. Some carriers offer a small guest-property sub-limit, but this is not the primary purpose of the policy.

Flood, earth movement, and pandemic

Standard property exclusions apply. Flood, earthquake, and pandemic closures are excluded unless endorsed or separately insured. Business interruption from a public health order is rarely covered.

Undeclared operations

Running an STR on a personal homeowners policy without declaring it is the single most common reason for claim denial. The carrier needs to know the property is a rental before a claim occurs.

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.

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.

Read full answer →

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.

Read full answer →

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.

Read full answer →

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.

Read full answer →

GET STARTED

Tell us the property, the platform, and the occupancy. We will place it.

Send the property address, average occupancy, platform (Airbnb, VRBO, direct), amenities, and claims history. We will quote across carriers that actively write Georgia short-term rental coverage.

Roughly $1,500 to $4,500 per year per property

Free Coverage Review