Short-term rental insurance in Florida

For Airbnb and VRBO hosts in Florida, a homeowners or landlord policy rarely covers the paying-guest stays that make a vacation rental work. Short-term rental insurance is built for it, protecting your dwelling, your liability when a guest is hurt, and the rental income a covered event like a hurricane can erase.

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Best-rated among Florida short-term rental owners.

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 Florida investment with short-term rental insurance

Florida is a top destination for Airbnb and vacation rentals, from Miami to Orlando. With frequent storms and evolving regulations, property owners need solid protection.

Steadily’s short-term rental insurance covers property damage, liability, and loss of income from events like hurricanes or guest incidents. Florida homeowners can safeguard their investments and stay compliant with state laws.

Because paying guests turn a Florida home into a business, 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

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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Short-term rental insurance cost in Florida

Coverage for a short-term rental tends to cost a fifth or so more than a standard landlord policy, in the 15% to 25% range because a revolving door of guests carries more liability than a single long-term tenant.

In Florida, hurricane and coastal storm exposure can push premiums toward the higher end of that range.

Beyond location, your premium depends on the property's replacement cost, how many guests it sleeps, the coverage limits you choose, and whether you add protection for lost income.

Run a quick quote to see the exact cost for your short-term rental.

The short-term rental laws Florida hosts need to follow

In Florida, there is no single statewide short-term rental code; local governments set their own registration, permit, and zoning rules. Our rundown of short-term rental laws in Florida covers the specifics city by city.

You may run into caps on total rental days per year, limits on how many guests can stay, or a requirement to name a local contact who can respond to problems.

You'll also likely owe lodging or occupancy taxes on your bookings; platforms collect some automatically, but the responsibility to get it right stays with you.

Because a homeowners or standard landlord policy typically excludes paying-guest stays, dedicated short-term rental coverage is what actually responds when a guest-related claim hits.