Short-term rental insurance in Vermont

A standard policy treats your Vermont home as a residence, so once it hosts paying Airbnb or VRBO guests, that coverage typically lapses. Short-term rental insurance is built for it, protecting your dwelling, your liability when a guest is hurt, and the rental income a covered event like a winter storm can erase.

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Five-star short-term rental coverage in Vermont.

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 Vermont property with short-term rental insurance

Vermont’s vacation rental demand centers on ski and lake towns like Stowe, Burlington, and Killington. Airbnb hosts must follow local laws and maintain liability coverage.

Steadily’s short-term rental insurance protects property owners from guest injuries, damage, and seasonal risks. Keep your Vermont rental home ready for guests with coverage built for short-term rentals.

Before your next guest checks in to your Vermont rental, purpose-built coverage turns a claim into a phone call instead of a financial hit.

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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Short-term rental insurance cost in Vermont

Expect a short-term rental policy to cost roughly 15% to 25% more than the landlord policy you would buy for a long-term tenant because hosting is closer to running a small business than renting to one long-term tenant.

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

Your rate reflects the property's replacement cost, its occupancy, local risk, and how much liability and income protection you carry.

Run a quick quote to see the exact cost for your short-term rental.

What Vermont landlords need to know about short-term rental regulations

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

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.

Budget for transient occupancy or hotel taxes on each stay, and check whether your platform remits them or leaves the filing to you.

Because a homeowners or standard landlord policy typically excludes paying-guest stays, dedicated short-term rental coverage is what actually responds when a guest-related claim hits.