Short-term rental insurance in New York

A typical homeowners or landlord policy in New York excludes the paying-guest use that Airbnb and VRBO hosting depends on. Short-term rental insurance gives you dwelling coverage, liability for injured guests, and income protection for when a covered event like a major coastal storm halts your bookings.

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New York short-term rental hosts rate us highly.

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 property with short-term rental insurance in New York

New York’s short-term rental laws are among the strictest in the country, especially in NYC. Airbnb hosts must register and follow local occupancy and liability regulations.

Steadily’s short-term rental insurance helps property owners stay compliant while protecting against damage, lawsuits, and lost income. From upstate vacation rentals to city apartments, we’ve got New York rental property owners covered.

Because paying guests turn a New York home into a business, you want coverage that follows the property through every booking, and Steadily’s does.

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

Fire insurance for rental properties covers structural fire and smoke damage, your personal property, and lost rent while repairs are underway. See what’s covered, exclusions, and how much coverage you need.

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

Water

Water damage insurance for rental properties covers burst pipes, roof leaks, appliance overflows, and sewer backups with an endorsement, plus lost rent. See what’s covered, the exclusions, and how much you need.

Storm and hail

Storm and hail damage insurance for landlords covers roof punctures, dented shingles, siding, and broken windows on your rental. See what's covered, how hail deductibles work, and how much coverage you need.

Loss of rent

Loss of rent insurance, also called fair rental value coverage, replaces the rental income you lose when a covered event makes your rental uninhabitable.

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.

Wind and hurricane

Wind and hurricane insurance for rental properties covers roof, siding, and structural storm damage plus lost rent. See what's covered, how named-storm deductibles work, and how much coverage you need.

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 New York

Insuring a home for short-term guests typically runs 15% to 25% higher than a long-term landlord policy as short stays mean more guests, more wear, and more chances for a claim.

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

Factors like the home's value, how many guests stay, your deductible, and optional coverages all shape the final premium.

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

What New York landlords need to know about short-term rental regulations

Short-term rental regulation in New York happens at the local level, so a permit or night cap that applies in one city may not exist in another. We track the details in our guide to New York short-term rental laws.

Rules can also cover parking, trash, and noise, and how many separate bookings you can take at once, especially in residential neighborhoods.

Some jurisdictions also require a separate tax registration or license number before you can legally collect, on top of any permit.

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.