Short-term rental insurance in Las Vegas, NV

Put a Las Vegas home on Airbnb or VRBO and a standard homeowners policy backs out as soon as guests start paying to stay. 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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Las Vegas short-term rental hosts rate us highly.

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!

Why you need short-term rental insurance in Las Vegas

Las Vegas is a world-famous vacation destination, and one of the most active Airbnb markets in the country. From bachelor parties to group getaways, the city’s short-term rentals see constant guest turnover and higher risks of damage, liability claims, and income loss.

Local regulations require hosts to register and follow strict safety and zoning rules, and going without coverage can turn a great investment into an expensive gamble. Steadily’s short-term rental insurance helps Las Vegas property and apartment owners stay compliant and protected, covering property damage, lawsuits, and lost income when the party doesn’t go as planned.

To keep a Las Vegas short-term rental profitable through the busy season, protecting it properly takes insurance built for short-term guests, not just long-term tenants.

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 $500,000 rule for Las Vegas hosts

Both the City of Las Vegas and Clark County require short-term rental operators to carry at least $500,000 in liability insurance. A standard Nevada homeowners policy generally won't satisfy that, since it's built for an owner-occupied home and excludes the commercial side of hosting paying guests.

Vegas draws big group and party-style bookings, which raises the odds of a liability claim, and platform coverage only stretches so far. It goes dark between bookings, it's limited on your own property, and it doesn't apply to a direct guest. A dedicated short-term rental policy carries the required liability limit and adds protection for the dwelling, your contents, and lost income after a covered event.

Given the fines for getting licensing wrong, you don't want a coverage gap on top of it. Run a quick quote to see what short-term rental insurance costs for your Las Vegas property.

What Las Vegas landlords need to know about short-term rental regulations

Las Vegas short-term rental laws come with a trap built in: most of what people picture, the Strip and the resort corridor, sits in unincorporated Clark County, not the City of Las Vegas. The two run separate programs, and confusing them is the fastest way to end up unlicensed.

In the City of Las Vegas, licensed rentals are owner-occupied only, capped at three bedrooms, and have to sit 660 feet from another rental and 2,500 feet from a resort, with no waiver on that distance. Clark County legalized rentals under a capped 2022 ordinance with a 1,000-foot separation rule and the same 2,500-foot buffer from resorts, but its licensing has been stalled in litigation, so very few county permits have actually been issued.

Both jurisdictions charge transient lodging taxes in the low teens on stays under 31 days. Clark County fines for unlicensed operation are steep, $1,000 to $10,000 a day, so it's worth confirming exactly which jurisdiction your address falls in before you list.