Short-term rental insurance in Virginia

A standard homeowners or landlord policy in Virginia stops covering your place the moment it takes paying guests on Airbnb or VRBO. 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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A favorite of Virginia Airbnb and VRBO 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 Virginia property with short-term rental insurance

Virginia’s short-term rentals span Northern Virginia, Richmond, and coastal markets. With Airbnb regulations set at the local level, owners and property managers need dependable liability and property protection.

Steadily’s short-term rental insurance covers guest injuries, accidental damage, and more, helping Virginia homeowners keep their vacation rentals compliant and protected.

For Virginia hosts who count on steady booking income, Steadily gives hosts one straightforward policy for property damage, liability, and lost rental income.

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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What short-term rental insurance costs in Virginia

Owners usually pay about 15% to 25% more to insure a short-term rental than a comparable long-term rental as short stays mean more guests, more wear, and more chances for a claim.

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

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.

Getting your actual price takes only a few minutes with an online quote.

Short-term rental rules every Virginia host should know

Short-term rental regulation in Virginia 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 Virginia short-term rental laws.

Common requirements include a short-term rental permit or license, occupancy limits tied to bedroom count, and in some places a rule that you actually live in the property.

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

Some cities require proof of liability coverage before they will issue a permit, and even where they don't, a short-term rental policy keeps a compliance gap or a guest claim from turning into a costly problem.