Short-term rental insurance in Minnesota

A standard homeowners or landlord policy in Minnesota stops covering your place the moment it takes paying guests on Airbnb or VRBO. Short-term rental insurance closes the gap with dwelling coverage, guest-injury liability, and protection for the income you lose if a covered event like a winter storm shuts the rental down.

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Best-rated among Minnesota short-term rental owners.

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 investment with short-term rental insurance in Minnesota

Minnesota short-term rentals are thriving in Minneapolis, Duluth, and resort areas across the state. Airbnb hosts must meet local licensing and insurance requirements.

Steadily’s short-term rental insurance provides property and liability coverage for homeowners, property managers, and vacation rental owners. Keep your Minnesota home safe and compliant year-round.

Whether you host one property or several across Minnesota, a Steadily policy covers the guest-facing risks a homeowners or landlord policy leaves out.

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:

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

How much short-term rental insurance costs in Minnesota

Short-term rental coverage generally lands about 15% to 25% above what the same property would cost as a long-term rental because a revolving door of guests carries more liability than a single long-term tenant.

In Minnesota, winter-storm exposure, from frozen pipes to heavy snow, can add to what you pay.

What you actually pay hinges on the property's rebuild cost, its location, your deductible, and the coverage you layer on for things like loss of income.

For the precise cost on your home, a quick quote is the fastest answer.

The short-term rental laws Minnesota hosts need to follow

In Minnesota, there is no single statewide short-term rental code; local governments set their own registration, permit, and zoning rules. Our rundown of short-term rental laws in Minnesota covers the specifics city by city.

Most cities that regulate short-term rentals ask hosts to register or pull a permit, and some cap how many nights a year you can rent or require the home to be your primary residence.

Rates and rules differ by city and county, so two properties in the same state can owe very different lodging taxes.

Many permit applications now include an insurance requirement, so a short-term rental policy can be both a legal box to check and your real protection against a claim.