Short-term rental insurance in Los Angeles, CA

Guests paying to stay at your Los Angeles Airbnb or VRBO push the property beyond what a normal homeowners or landlord policy covers. 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 can erase.

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One of Los Angeles's top short-term rental insurers.

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!

Secure the right insurance for your Los Angeles rental property

Los Angeles and the surrounding LA County are among the most competitive rental markets in the country, with high property values and rising demand for short-term stays. From coastal apartments to hillside homes, landlords face risks from guest damage, liability claims, and even wildfires.

Steadily’s rental property insurance helps LA owners stay covered, protecting income and investment in the heart of Southern California.

Now that short-term rentals are a real business across Los Angeles, Steadily’s short-term rental insurance steps in where a standard policy stops, protecting your property, your guests, and your bottom line.

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 rule behind LA short-term rentals

Los Angeles requires home-sharing hosts to carry at least $1,000,000 in liability coverage, or to rent through a platform that provides the equivalent. That's a real number, and a standard homeowners policy rarely satisfies it once you factor in that most exclude paid guests altogether.

Platform coverage can technically meet the threshold, but it only applies to bookings made through that platform. A direct guest, a night between reservations, damage to your own furnishings, all of that can fall outside it. A dedicated short-term rental policy carries the liability limit the city wants and adds protection for the dwelling, your contents, and lost income after a covered loss.

Carrying your own policy means you meet the requirement on every booking, not just the ones a platform happens to cover. Run a quick quote to see what short-term rental insurance costs for your Los Angeles home.

Short-term rental rules every Los Angeles host should know

Los Angeles runs short-term rentals through its Home-Sharing Ordinance, in effect since late 2019, and the core rule is simple: you can only rent your primary residence, the place you live at least six months of the year. Investment properties don't qualify. You register with the city, get a registration number, and put it on every listing.

The standard permit caps you at 120 rented nights a year. Go beyond that and you need Extended Home-Sharing approval, which means a clean record and a public hearing. Some units are off the table no matter what, including rent-stabilized apartments, which covers a big share of the city's older multifamily housing.

Guests owe the city's 14% Transient Occupancy Tax, remitted monthly. LA enforces with a platform-data system and a 24/7 complaint line, and the fines have teeth: at least $500 a day for hosting without registering, and up to around $2,000 a day for exceeding your allowed nights.