Short-term rental insurance in Denver, CO

Your Denver home might be covered as a residence, but the moment Airbnb or VRBO guests pay to stay, a standard policy steps back. Short-term rental insurance was made for hosts, covering your dwelling, guest-injury liability, and the nightly income a covered event can erase.

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Trusted short-term rental insurance for Denver hosts.

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 Denver short-term rental with the right insurance

Denver’s short-term rental market is booming thanks to tourism and outdoor adventure. But local laws require every host, whether you rent an apartment downtown or a home near the mountains, to register and follow the city’s primary-residence rule.

For Airbnb hosts and property owners, skipping insurance can be costly. Steadily’s short-term rental insurance helps Denver landlords stay compliant and covered, protecting against property damage, liability, and lost income.

With more travelers booking Denver short-term rentals every year, you want coverage that follows the property through every booking, and Steadily’s does.

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

Fire insurance for rental properties covers structural fire and smoke damage, your personal property, and lost rent while repairs are underway. See what’s covered, exclusions, and how much coverage you need.

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 to $2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Water damage insurance for rental properties covers burst pipes, roof leaks, appliance overflows, and sewer backups with an endorsement, plus lost rent. See what’s covered, the exclusions, and how much you need.

Storm and hail

Storm and hail damage insurance for landlords covers roof punctures, siding, windows, and wind damage to your rental. See what’s covered, deductibles, and how much coverage you need.

Loss of rent

Loss of rent insurance, also called fair rental value coverage, replaces the rental income you lose when a covered event makes your rental uninhabitable.

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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The $1 million Denver requires at licensing

Denver requires proof of at least $1,000,000 in liability coverage to license a short-term rental, and it expects you to notify your insurer that you're hosting. A standard Colorado homeowners policy usually falls short on both counts, because it's written for a home you simply live in and tends to exclude paid guests.

Since you're renting your own primary residence here, the stakes are personal, it's your home and your belongings on the line, not just an investment property. A dedicated short-term rental policy carries the million-dollar liability limit the city requires and covers the dwelling, your contents, and the income you lose when a covered event takes the place offline.

With Denver auditing hosts as closely as it does, having compliant coverage in place keeps the license clean. Run a quick quote to see what short-term rental insurance costs for your Denver home.

Short-term rental rules every Denver host should know

Denver's short-term rental rules come down to one hard line: the rental has to be your primary residence. The place where you actually live, vote, and register your car. That single requirement is what makes Denver so different from other markets, and it means whole-home investment rentals simply aren't legal here.

You register for a short-term rental business license and a lodger's tax license, renew every year, and you can only hold one license, tied to that primary home. The city runs aggressive enforcement, monitoring listings and auditing hosts to catch false primary-residence claims, which are its number-one target.

Guests owe Denver's 10.75% lodger's tax plus sales taxes, and the total lands high once everything stacks. Operate without a license and you're looking at around $999 per violation, with revocation waiting for anyone caught faking residency.