Short-term rental insurance in Indiana

Homeowners and landlord policies in Indiana were not written for Airbnb or VRBO hosts, and they typically exclude paying-guest stays. Short-term rental insurance rounds out your protection with building coverage, guest-injury liability, and the income a covered event would otherwise take.

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Highly rated by Indiana Airbnb 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 Indiana property with short-term rental insurance

Indiana’s short-term rental demand is growing in Indianapolis, Bloomington, and Fort Wayne. Airbnb hosts must follow city regulations while maintaining property protection.

Steadily’s short-term rental insurance covers homeowners and property managers against liability and damage. Keep your Indiana vacation home or rental property insured with coverage built for modern hosts.

Given how quickly a single claim can outrun a year of Indiana rental income, purpose-built coverage turns a claim into a phone call instead of a financial hit.

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:

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

How much short-term rental insurance costs in Indiana

Compared with a standard landlord policy, short-term rental insurance tends to run 15% to 25% more given the higher occupancy, turnover, and liability that come with hosting.

In Indiana, what you pay comes down to the home's value, where it sits, and how busy it stays with guests.

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 few minutes and your address are all it takes to get your real premium.

The short-term rental laws Indiana hosts need to follow

Short-term rental hosts in Indiana answer mostly to local rules rather than a single statewide law, so requirements shift depending on your city. We break that down in our Indiana short-term rental regulations guide.

Depending on the city, you may need to register your rental, carry a business license, meet safety and inspection standards, or stay under an annual night cap.

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

Many permit applications now include an insurance requirement, so a short-term rental policy can be both a legal box to check and your real protection against a claim.