Short-term rental insurance in Montana

Renting short-term on Airbnb or VRBO in Montana turns a home into a business, and most homeowners and landlord policies quietly exclude that. Short-term rental insurance was made for hosts, covering your dwelling, guest-injury liability, and the nightly income a covered event like wildfire can erase.

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A go-to short-term rental insurer in Montana.

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 Montana

Montana’s scenic beauty drives demand for Airbnb and vacation rentals statewide. Property owners in Bozeman, Whitefish, and Big Sky need short-term rental insurance that covers damage, liability, and guest risks.

Steadily helps Montana hosts comply with evolving regulations while protecting their homes and income.

Before your next guest checks in to your Montana rental, coverage from Steadily keeps a covered loss from becoming an out-of-pocket disaster.

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 Montana

Owners usually pay about 15% to 25% more to insure a short-term rental than a comparable long-term rental since insurers price in the added risk that comes with paying guests.

Montana's wildfire exposure is one of the factors insurers weigh most when pricing a short-term rental.

Expect the number to move with the home's size and value, its claims history, the limits you choose, and any add-ons for guest-related risks.

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

The short-term rental laws Montana hosts need to follow

Before you list a Montana property, it's worth checking the local ordinance, because short-term rental rules there vary from one municipality to the next. Our Montana short-term rental law guide lays out what to look for.

Expect the local rules to touch on permits, occupancy limits, parking and noise standards, and sometimes a primary-residence requirement that limits investor-owned rentals.

Short-term stays usually trigger transient occupancy or lodging taxes, and while Airbnb and VRBO remit some of these, hosts are on the hook for the rest.

Carrying the right policy also reassures the platform and your guests, and it keeps a single incident from wiping out a season of earnings.