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.

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A favorite of Maryland Airbnb and VRBO 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 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.

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

Covers damage from fire, smoke and related events, such as wildfires, accidental kitchen fires or electrical fires caused by malfunctioning appliances.

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-$2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Covers certain water damage not caused by flooding, including burst pipes, HVAC leaks and plumbing overflows.

Storm and hail

Covers damage to your rental property caused by storms, hail, wind and lightning - such as fallen trees or hail punctures in roofing structures.

Loss of rent

Covers lost rental income for when your rental becomes uninhabitable due to covered perils, or while the repairs are being made.

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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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.