Food & hospitality

Short-term rentals

Owners/operators renting homes and units nightly via Airbnb, Vrbo, and similar platforms.

Why it needs cover

The exposure

STRs carry commercial liability (guest injury), property damage, and business-income exposure that standard homeowner/landlord policies exclude. Platform coverage (AirCover) is secondary and does not name the host as insured.

What we place

Coverages this class usually needs

Commercial property (dwelling)Often (lender)

Building and contentsRental-use property loss

General / commercial liabilityOften (platform/contract)

Guest injury and property claimsCommercial occupancy

Business income / loss of rentsOptional

Lost nightly revenue after a covered lossRevenue continuity

Commercial umbrellaOptional

Excess liabilityGuest-injury severity

What it costs

National benchmark premiums

Rated on: Property replacement cost, location, and rental frequency (nights)

General liability

bundled in a commercial STR policy; $100-$200/mo for most hosts

Total annual (typical)

$1,000-$3,000/yr, with most $1,500-$2,500; $2,000-$3,000/yr; Proper (Vrbo's exclusive partner) writes commercial policies starting at $1M per-occurrence liability

Pricing figures are national typical or median ranges for small operators at commonly quoted limits, drawn from the published sources named on each page. They are budgeting benchmarks, not quotes. Your premium depends on state, payroll, revenue, limits, deductible, and loss history.

Sources: The Offer Sheet; Safely; Obie; Proper Insurance; Awning.

When it goes E&S

Where this risk gets hard to place

Coastal and wildfire (California) locations, high nightly turnover, and prior claims frequently require surplus-lines STR programs; admitted landlord forms exclude nightly rental.

Contact

Talk to us about Short-term rentals.

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