Short-term rental insurance in Michigan

A standard policy treats your Michigan home as a residence, so once it hosts paying Airbnb or VRBO guests, that coverage typically lapses. Short-term rental insurance gives you dwelling coverage, liability for injured guests, and income protection for when a covered event like a winter storm halts your bookings.

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Trusted short-term rental insurance for Michigan 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 Michigan rental with short-term rental insurance

Michigan’s vacation rental market is booming in Detroit, Traverse City, and the Great Lakes region. Airbnb hosts must stay informed about local regulations and insurance needs.

Steadily’s short-term rental insurance covers property damage, guest injuries, and liability protection for Michigan homeowners. Protect your lake house or city rental with coverage built for hosts.

As demand for Michigan short-term rentals keeps climbing, Steadily’s coverage is built for exactly this kind of hosting, so you can keep taking bookings with confidence.

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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What short-term rental insurance costs in Michigan

Insuring a home for short-term guests typically runs 15% to 25% higher than a long-term landlord policy because paying guests cycle through constantly and the home operates as a business.

Harsh winters in Michigan bring risks like burst pipes and ice damage that factor into your premium.

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.

Getting your actual price takes only a few minutes with an online quote.

Short-term rental rules every Michigan host should know

Short-term rental rules in Michigan are set mostly at the city and county level, so what's required in one town may not apply in the next. Our guide to Michigan short-term rental laws breaks down where things currently stand.

A handful of cities have paused or capped new short-term rental permits entirely, so confirming that permits are still available where you own is a smart first step.

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

Even where insurance isn't strictly required, hosting without short-term rental coverage leaves you exposed to exactly the claims local rules are trying to prevent.