Short-term rental insurance in Maryland

When a Maryland property earns money from Airbnb or VRBO guests, its homeowners or landlord policy usually stops applying. Short-term rental insurance answers all three needs: building protection, liability if a guest is injured, and the booking income a covered event like a major coastal storm can cost you.
Steadily keychain with a Maryland tag

A favorite of Maryland Airbnb and VRBO hosts.

  • 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.

    Eric Martin

  • They respond quickly and communicate well. I was able to get the policy I needed to convert my vacation home to Airbnb.

    Elizabeth Oreo

  • 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!

    Arnold Chambers

Protect your Maryland property with short-term rental insurance

Maryland’s short-term rental rules vary by county, from Baltimore to Ocean City. Airbnb hosts and property managers need insurance that covers both liability and property damage.

Steadily’s short-term rental insurance helps homeowners protect their vacation properties and comply with local regulations. Keep your Maryland home secure with host-ready coverage.

Because paying guests turn a Maryland home into a business, a short-term rental policy from Steadily protects the parts of the business a homeowners policy quietly excludes.

Watch Guide to Insurance for Airbnb Hosts | Steadily on YouTube

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

Short-term vs. long-term rentals explained

Short-term rentals

Stays that are 30 days or less at a time.

  • Rented in short staysGuests 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 guestsYou supply the beds, furniture, and everything guests use.
  • Rental income rises and falls with bookingsRevenue is variable and business-like, and loss of rent coverage can replace bookings lost after a covered event.
  • Requires an STR policy or endorsementAn 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 yearsOne tenant signs a lease and lives there full-time; there's no nightly turnover.
  • A different risk profileA 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 leaseUsing a homeowners policy for a rental property can create major coverage gaps.
  • Does not require an STR policy or endorsementA 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:

How much short-term rental insurance costs in Maryland

Plan on a short-term rental policy running roughly 15% to 25% more than a standard landlord policy since frequent guest turnover and commercial use raise the risk a policy has to cover.

Storm and coastal risk in Maryland is one of the things insurers weigh when pricing a policy.

The biggest drivers of your cost are the home's value, its condition and age, your liability limits, and how often it is rented out.

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

Short-term rental rules every Maryland host should know

Because Maryland leaves short-term rental rules largely to cities and counties, requirements differ across the state. Our overview of short-term rental laws in Maryland walks through them.

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.

Occupancy and lodging taxes are part of the deal in most markets; some are handled by the booking platform, others land on you at filing time.

A growing number of localities ask for evidence of insurance during the permit process, and dedicated short-term rental coverage protects you whether or not it is mandated.

More on Maryland STR regulations
Steadily insured house with a car parked out front

Get coverage in minutes

Competitive rates nationwide. Purpose-built for rental property investors.

Hand-drawn illustration of a row of rental houses