Vacation Rental Insurance: Are You Really Covered?

​Thinking about renting your home on Airbnb or VRBO? Many homeowners don’t realize that standard home insurance doesn’t protect short-term rentals. That means if a guest damages your home or gets injured on your property, you could be personally liable—unless you have the right coverage.

Here’s why vacation rental insurance is a must for property owners.

Why Your Homeowner’s Policy Won’t Cover Airbnb or VRBO

​Most standard home insurance policies exclude commercial activity, and renting your home on platforms like Airbnb is considered a business operation. That means your insurance may deny claims related to:
❌ Guest injuries – A slip-and-fall on your property could lead to out-of-pocket lawsuits.
❌ Property damage – If guests ruin your furniture or cause a fire, you might not be covered.
❌ Liability claims – If a guest throws a party that results in damages or noise complaints, you’re on the hook.

What Does Vacation Rental Insurance Cover?

A short-term rental policy is specifically designed to protect your property while generating income.
✔️ Property Damage: Covers repairs if a guest accidentally (or intentionally) damages your home.
✔️ Guest Injury Coverage: Protection against lawsuits for guest accidents on your property.
✔️ Income Protection: Covers lost rental income if your property becomes uninhabitable due to a covered claim.
✔️ Theft & Vandalism: Protects against guest theft of furniture, electronics, or decor.

Who Needs Vacation Rental Insurance?✅ Airbnb/VRBO hosts
✅ Property investors with short-term rentals
✅ Homeowners renting out guest houses or second homes

Conclusion:
Don’t assume your regular home insurance has you covered. Protect your rental income, property, and peace of mind with the right insurance. VIP Insurance Professionals can help you find a policy that fits your rental business.

📞 Contact us today for a quote!