Temporary & Short-Term Rental Insurance Basics

Most short-term rental insurance plans cover:

  • Excess use of utilities
  • Loss of income
  • Liquor liability
  • Infestation

It's also worth noting that short-term rental insurance is typically offered as an endorsement added to your homeowner's insurance policy. Other insurance companies may require you to purchase a separate policy for short-term rental insurance.

The endorsement also varies, as some cases would only cover the days that guests are staying at your rental. This type of insurance would not cover any damages on the property during guest-free durations.

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