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Navigating Insurance for Airbnb and VRBO Rentals: Tips from Patriotic Insurance Group Experts

By May 23, 2024No Comments

When using their property to host guests from various platforms such as Air B&B and VRBO Rentals, the hosts are always worried about the safety and well-being of their properties. While having home insurance is a good plan, if you use your house to generate income, many insurance companies will reject your claim in case of damage to the property. 

Landlord’s insurance is another path that some might take. However, landlord insurance is beneficial when looking for long-term rental needs. To deal with situations such as these, it is essential to have short-term rental insurance to ensure that you are ready for any situation that might come your way. In this, Patriotic Insurance Group can be your best bet as we can provide you with a plethora of options to cover your proprietary to get it ready for Air B&B and VRBO. 

What is Short-term Rental Insurance?

Short-term rental insurance, often known as vacation rental insurance, is an excellent tool for offering insurance services to properties that are rented out to platforms like Air B&B and VRBO. This kind of insurance is specially designed to cater to the needs of small-scale businesses that depend on services from platforms like Air B&B and VRBO. 

Short-term rental insurance is a specialized tool that safeguards against a range of risks associated with renting out a property temporarily. Unlike standard homeowners insurance, which typically doesn’t cover commercial activities such as short-term renting, this type of insurance doesn’t come with such restrictions. 

Why Do You Need Short-term Rental Insurance?

Unlike standard homeowners insurance, short-term rental insurance provides vital protection to a property and the insurer by adding features that traditional prosperity insurances often exclude. The primary reason that short-term insurance is necessary is that it provides liability coverage. If a scenario arises from damage to the prosperity, any bodily injury, or a legal claim that arises from a guest’s stay, liability coverage assists in offering financial protection, shielding the host from potential lawsuits and hefty settlement costs. 

Short-term rental insurance also provides coverage to the host in case of loss of income due to several reasons, like property damage or unforeseen events making the property inhabitable. It’s a great feature that is added to these types of insurance as it ensures that the hosts are not left financially vulnerable in case their rental property becomes temporarily unavailable. 

Is House Insurance Enough to Cover Your Airbnb and VRBO Properties?

Almost all people who use their properties for short-term rentals make the mistake of assuming that their standard house insurance policy is enough and provides adequate coverage for rental services as well. However, the majority of homeowners insurance policies specifically exclude commercial activities like renting from the policy. Relying on only the house insurance can expose the hosts to significant financial risks, including denied claims and policy cancellations, as the policies were not intended for commercial usage, and you need specific vacation rental insurance. 

To cover the gap between the property’s insurance coverage, Patriotic Insurance Group’s short-term rental insurance offers comprehensive protection tailored to the unique risks associated with renting out property on platforms like Airbnb and VRBO. Our insurance service for hosts is curated to safeguard the host’s investment and provide peace of mind by taking care of all their insurance needs, from liability coverage to property damage protection. 

Differences Between Landlord Insurance and Short-term Rental Insurance

Landlord insurance and short-term rental insurance provide coverage for rental properties, and because of this, many consider them to be the same thing. However, they differ significantly in scope and purpose. Landlord insurance is designed for long-term property rental and covers factors such as property damage, liability, and loss of rental income.

On the other hand, short-term rental insurance is designed to cover the risk associated with renting properties on a short-term basis. Unlike landlord protection, short-term rental insurance provides additional features to ensure the safeguard for the host, such as liability coverage, vandalism coverage, and coverage for income loss due to cancellations. 

How Much Does Short-term Rental Insurance Cost?

Several factors affect the cost of short-term rental insurance, and the premium can vary depending on these factors. Some of the most influencing factors that decide the price of insurance for any small-term rental property are the location, size, amenities, and coverage limits. Adding insurance will be considered an additional expense for the host, but it will offer peace of mind, and the financial protection it provides far outweighs the cost.

Additional factors can contribute to insurance premiums, such as the property’s occupancy rate, rental income, and any additional services offered to guests. Working with an insurance provider can help hosts navigate these complexities and secure the most cost-effective coverage tailored to their specific needs. Patriotic Insurance Group is a leading provider of small-term rental insurance. 


Best Tips to Get Your Short-term Rental Insurance

  • Assess Your Coverage Needs: The most crucial step is choosing the proper coverage limit that adequately protects your investment. To do that, it is essential to evaluate the risks associated with your rental property. 
  • Choose the right policy for yourself: To ensure that you have the best policy that matches your needs and is in your budget, compare different policies and find the best one for yourself.
  • Read the Fine Print: Read all the policy limitations, exclusions, limits, and any additional endorsements that might be included in your policy. Pay close attention to the fine print of your policy.
  • Consider Additional Coverage Options: Every property is different, and depending on your property’s location and unique features, you might need additional features and coverages along with your regular policy. For example, you may need additional coverage options such as flood insurance or earthquake insurance.
  • Work with an Experienced insurance provider: Partnering with an insurance provider who specializes in short-term rental insurance can help you steer the various options of coverage options and ensure you have the protection you need. And Patriotic Insurance Group is the best short-term rental insurance provider for your property.



Navigating insurance for Airbnb and VRBO rentals requires a proper understanding of the risks and coverage options available. Short-term rental insurance provides essential protection against liability, property damage, and loss of income, filling crucial coverage gaps left by standard homeowners insurance. For any additional information and all your insurance needs, reach out to Patriotic Insurance Group for the best insurance options for you and your business.