Landlord and Short-term Rentals

Comprehensive Protection for Your Property and Income

Owning a rental property—whether it's a long-term lease or a short-term vacation rental—can be a lucrative and rewarding investment. But with this potential comes the need for the right insurance to protect both your property and your business. Traditional homeowner’s insurance might not cover the unique risks associated with renting out your property, especially if it’s used for short-term stays. That’s where Landlord & Short-Term Rental Insurance comes in.

Our tailored coverage provides peace of mind for landlords, property owners and short-term rental hosts, ensuring that your property, your tenants and your income are protected against a wide range of risks.

Why Do You Need Landlord & Short-Term Rental Insurance?

Whether you're renting out your property long-term or hosting guests on short-term rental platforms like Airbnb, Vrbo or Booking.com, your insurance needs differ from those of a typical homeowner. Renting to tenants or guests introduces new risks, including liability issues, property damage and potential loss of income. Our insurance is designed to cover these gaps, giving you confidence that you're fully protected.

Traditional home insurance doesn’t cut it. Standard homeowners insurance often won’t cover damage or liability related to tenants or guests, and some providers may even refuse to insure properties used for rental purposes. Our specialized insurance ensures that you’re adequately covered for all aspects of your rental business.

What Does Landlord & Short-Term Rental Insurance Cover?

Our comprehensive insurance policy is specifically crafted for the unique needs of landlords and short-term rental hosts. It offers a broad range of protections, ensuring that you’re covered no matter what type of rental you’re operating.

1. Property Coverage

Your property is one of your most valuable investments, and protecting it is essential. Our insurance provides coverage for damage caused by:

Fire, smoke and water damage
Vandalism or theft
Natural disasters (depending on your location)
Accidental damage caused by tenants or guests

This ensures that you're not left footing the bill for unexpected repairs or reconstruction if something goes wrong.

2. Liability Protection

Accidents happen, and if a tenant or guest is injured on your property, you could be held responsible. Our liability protection helps cover medical expenses, legal fees and any potential settlements in the event of:

Slip-and-fall injuries
Property damage caused by tenants or guests
Injuries or accidents occurring on common areas (e.g., hallways, parking lots)

With this coverage, you can protect your personal assets and avoid costly legal battles.

3. Loss of Rental Income

If your property becomes uninhabitable due to a covered event (such as fire, flood, or major damage), you could lose valuable rental income while repairs are made. Loss of Rental Income protection helps replace the income you would have earned, ensuring that your investment doesn’t come to a complete halt during repairs.

4. Guest Coverage (Short-Term Rentals)

Short-term rental hosts face unique challenges, such as the possibility of guest-related property damage or injuries. Our policy includes guest coverage, which can cover:

Damage caused by guests during their stay (e.g., broken furniture, stained carpets)
Injuries to guests on your property that may result in a claim against you
Theft or vandalism caused by renters or visitors

This added layer of protection is essential for anyone hosting guests on rental platforms like Airbnb, Vrbo or others.

5. Legal and Eviction Costs

If you have problem tenants or face legal issues like evictions, our insurance can cover legal fees and eviction costs, helping you avoid expensive court proceedings and potential financial losses.

How Does Landlord & Short-Term Rental Insurance Work?

Getting the right coverage for your rental property is straightforward. Here's how it works:

Evaluate Your Property Needs: We’ll work with you to assess your rental property’s risks and determine the type of coverage you need. Whether you're renting out one property or several, we'll tailor a policy that fits your unique situation.
Choose Your Coverage: Based on your property type (long-term rental, short-term rental, or a combination), we’ll guide you through the various options, including property damage, liability, loss of income, guest coverage and more.
Ongoing Support: As your rental business grows or changes, we’re here to make sure your insurance remains up-to-date. Need additional coverage for a new property or seasonal adjustments? We’ve got you covered.
Claims Made Easy: If something goes wrong, our claims process is fast and simple. Whether it’s a damaged appliance or a legal issue with a tenant, we’ll assist you every step of the way to ensure you get the support you need.

Who Needs Landlord & Short-Term Rental Insurance?

Long-Term Landlords: If you rent out your property to tenants on a monthly or yearly basis, you need insurance that covers tenant-related damage, liability, and income loss in case of a covered event.
Short-Term Rental Hosts: If you use platforms like Airbnb, Vrbo, or Booking.com to rent out your property for short stays, you need additional protection for guest-related incidents, damages, and losses.
Multiple Property Owners: Whether you own one rental or a portfolio of properties, our flexible policies allow you to cover multiple units with a single, streamlined plan.
Vacation Rental Owners: For those who own vacation homes or seasonal rental properties, our insurance ensures you’re covered for the unique risks that come with renting to transient guests.

Why Choose Us?

Tailored Coverage: We understand that every rental property is different. Our policies are customizable to suit your specific needs, whether you’re renting long-term, short-term, or both.
Expert Support: We have in-depth knowledge of the rental market and the challenges landlords and short-term hosts face. We’re here to help you navigate your options and find the best coverage for your property.
Affordable Rates: We offer competitive pricing without compromising on coverage. Get the protection you need at a price that fits your budget.
Fast Claims Process: We know that when something goes wrong, you need help fast. Our streamlined claims process ensures that your issue is handled quickly and efficiently, so you can get back to business.

Get Started Today

Protect your property, your rental income, and your guests with the right insurance coverage. Whether you're a first-time landlord or a seasoned short-term rental host, we’re here to provide the security and peace of mind you deserve.

Get a Quote: Ready to secure your property? Reach out to our team today for a personalized quote and learn more about how our options for Landlord & Short-Term Rental Insurance can help protect what matters most to you.

With Landlord & Short-Term Rental Insurance, you're not just protecting your property—you're protecting your investment, your income, and your peace of mind.

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