Short-term rental insurance in Orlando, FL

In Orlando, listing a home on Airbnb, VRBO, or another vacation rental usually voids a normal homeowners policy, since paying guests count as commercial use. Short-term rental insurance fills that gap, covering the building, your liability if a guest is injured, and the income you lose when a covered event takes the rental offline.

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Trusted short-term rental insurance for Orlando 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 Orlando short-term rental property

Orlando’s short-term rental market thrives on tourism, with millions of visitors flocking to Walt Disney World and nearby attractions each year. Airbnb hosts and apartment owners benefit from steady demand, but also face higher risks from constant guest turnover, property damage, and liability claims.

Steadily’s short-term rental insurance helps Orlando landlords protect their investment and income while staying compliant with local rental regulations.

Before your next guest checks in to your Orlando rental, Steadily’s short-term rental insurance steps in where a standard policy stops, protecting your property, your guests, and your bottom line.

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, siding, windows, and wind damage to your rental. See what’s covered, deductibles, 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.

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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Coverage for an Orlando short-term rental

Orlando doesn't fix a required insurance amount, which puts the whole burden on your own policy. A standard Florida homeowners policy is written for a home you live in and typically excludes paid guests, so a guest injury or guest-caused damage can come back denied even when your limits look fine.

A short-term rental policy is built for the way the place is used. It covers the dwelling, liability when a guest is hurt, your contents, and the income you lose when a covered event takes the rental offline. In Central Florida that income protection earns its keep every hurricane season, when a storm can close a property for weeks in peak demand.

Getting coverage that assumes guests is what keeps a claim from unraveling on a technicality. Run a quick quote to see what short-term rental insurance costs for your Orlando property.

Short-term rental rules every Orlando host should know

Orlando's short-term rental laws draw a hard line between two kinds of rental. A home share, where you live in the house and rent part of it, is broadly allowed in residential neighborhoods. A whole-home rental of a place you don't live in is not, unless the property sits in commercial or mixed-use zoning. That single distinction decides most Orlando hosting plans.

For a home share you register with the city, renew annually, pass a code inspection, and actually live there, at least about half the year, present during stays. You can only rent to one party at a time, with guest limits by bedroom. Absentee whole-home rentals in ordinary residential zones stay off-limits.

On top of the city registration you'll need Florida's state vacation-rental license from the DBPR, and guests owe roughly 12.5% in combined state sales tax and the Orange County tourist tax. Florida tried to preempt a lot of this with a 2024 state bill, but the governor vetoed it, so Orlando's owner-occupancy rules still stand.