Short-term rental insurance in Pennsylvania

Once a Pennsylvania property hosts paying guests through Airbnb or VRBO, the homeowners policy you carry likely won't respond to a claim. Short-term rental insurance answers all three needs: building protection, liability if a guest is injured, and the booking income a covered event can cost you.

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Best-rated among Pennsylvania 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 Pennsylvania property with short-term rental insurance

Pennsylvania’s short-term rental activity stretches from Philadelphia to Pittsburgh and the Poconos. Airbnb hosts must navigate local regulations and insurance requirements.

Steadily’s short-term rental insurance provides liability and property protection for owners and property managers, covering guest injuries, damage, and more. Protect your Pennsylvania vacation home with flexible coverage built for hosts.

For Pennsylvania hosts who count on steady booking income, 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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How much short-term rental insurance costs in Pennsylvania

Short-term rental premiums generally come in about 15% to 25% higher than a long-term landlord policy on the same home because hosting is closer to running a small business than renting to one long-term tenant.

In Pennsylvania, what you pay comes down to the home's value, where it sits, and how busy it stays with guests.

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.

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

The short-term rental laws Pennsylvania hosts need to follow

Whether you can host, and under what conditions, depends on where your Pennsylvania property sits, since short-term rental rules are written locally rather than statewide. See Pennsylvania's short-term rental regulations for a closer look.

Many jurisdictions require registration and a permit number that has to appear on your listing, along with occupancy caps and basic safety requirements.

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

A growing number of localities ask for evidence of insurance during the permit process, and dedicated short-term rental coverage protects you whether or not it is mandated.