Short-term rental insurance in Colorado

Guests paying to stay at your Colorado Airbnb or VRBO push the property beyond what a normal homeowners or landlord policy covers. Short-term rental insurance rounds out your protection with building coverage, guest-injury liability, and the income a covered event like wildfire would otherwise take.

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Five-star short-term rental coverage in Colorado.

Eric Martin

I had a quote within half an hour and then connected them with my mortgage lender for closing via email. Very easy to work with.

Elizabeth Oreo

They respond quickly and communicate well. I was able to get the policy I needed to convert my vacation home to Airbnb.

Arnold Chambers

The process of getting a landlord policy was very smooth. A few text messages, and the price was great, new policy saved us over $600!

Protect your Colorado property with short-term rental insurance

Colorado’s short-term rental demand is strong in Denver, Boulder, and mountain towns like Breckenridge. Local Airbnb laws can be complex, but Steadily simplifies protection.

Our short-term rental insurance helps property owners manage liability and property risks tied to vacation rentals. Protect your Colorado home with coverage built for Airbnb hosts and property management professionals.

When something goes wrong at a Colorado rental, from a kitchen fire to an injured guest, it pays to carry a policy built for hosting rather than one written for a primary residence, and a quote takes only minutes.

Who is short-term rental insurance for?

Short-term rental insurance protects your investments when they are rented as a vacation rental, Airbnb, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:

Legal liabilities

Fire and water damage

Financial protection against natural disasters

Protection for your furnishings

What does short-term rental insurance cover?

We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium

Fire

Covers damage from fire, smoke and related events, such as wildfires, accidental kitchen fires or electrical fires caused by malfunctioning appliances.

Legal liability

Landlord liability insurance pays medical bills, legal defense, and settlements when a tenant or visitor is injured at your rental. Steadily writes $300K-$2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Covers certain water damage not caused by flooding, including burst pipes, HVAC leaks and plumbing overflows.

Storm and hail

Covers damage to your rental property caused by storms, hail, wind and lightning - such as fallen trees or hail punctures in roofing structures.

Loss of rent

Covers lost rental income for when your rental becomes uninhabitable due to covered perils, or while the repairs are being made.

Vandalism & burglary

Covers damage made to your rental property by a burglar or a vandal, such as broken windows or defacements made to walls or exterior structures.

Riot & civil commotion

Covers damage to your rental property caused by riots, civil unrest, and public disturbances.

Short-term vs. long-term rentals explained

Short-term rentals

Stays that are 30 days or less at a time.

Rented in short stays

Guests book by the night or week, cycling through constantly instead of one household staying put. A short-term rental policy is priced for that turnover.

Furnished space for paying guests

You supply the beds, furniture, and everything guests use.

Rental income rises and falls with bookings

Revenue is variable and business-like, and loss of rent coverage can replace bookings lost after a covered event.

Requires an STR policy or endorsement

An STR carries a meaningfully different risk profile than a long-term rental. Having the wrong policy can result in coverage gaps and claims being denied.

Long-term rentals

A tenant's permanent residence.

Leased for months or years

One tenant signs a lease and lives there full-time; there's no nightly turnover.

A different risk profile

A single long-term tenant creates far less turnover and guest liability than a stream of nightly visitors, so it's underwritten differently.

Steady rent, tied to a lease

Using a homeowners policy for a rental property can create major coverage gaps.

Does not require an STR policy or endorsement

A tenant-occupied rental calls for a landlord policy built around long-term tenants.

Not sure if your STR is covered? Enter your address and get a free quote instantly:

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Short-term rental insurance cost in Colorado

Owners usually pay about 15% to 25% more to insure a short-term rental than a comparable long-term rental since frequent guest turnover and commercial use raise the risk a policy has to cover.

Colorado's wildfire exposure is one of the factors insurers weigh most when pricing a short-term rental.

Cost comes down to the specifics: the home's value and condition, guest volume, the limits you pick, and any coverage you add for hosting.

A short online quote will give you the real number for your property in minutes.

What Colorado landlords need to know about short-term rental regulations

Because Colorado leaves short-term rental rules largely to cities and counties, requirements differ across the state. Our overview of short-term rental laws in Colorado walks through them.

Typical rules cover who can host, sometimes only owner-occupants, how many guests you can take, and whether you need a permit or license to operate at all.

Lodging taxes typically apply to every booking, and even when Airbnb or VRBO collects them, keeping your own records is on you.

Proof of coverage is increasingly part of getting approved to host, and a purpose-built policy covers the liability and property risks that come with paying guests.