Short-term rental insurance in Washington

In Washington, listing a home on Airbnb, VRBO, or another vacation rental usually voids a normal homeowners policy, since paying guests count as commercial use. That is where short-term rental insurance comes in, covering property damage, liability for an injured guest, and the nightly income a covered event like a major coastal storm takes away.

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Highly rated short-term rental insurance in Washington.

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 Washington rental with short-term rental insurance

Washington’s short-term rentals are active in Seattle, Spokane, and coastal towns. Airbnb regulations and safety requirements vary locally, so property owners need clear protection.

Steadily’s short-term rental insurance provides liability and property coverage for vacation homes, covering guest injuries, damage, and weather-related events. Keep your Washington rental compliant and secure year-round.

When something goes wrong at a Washington rental, from a kitchen fire to an injured guest, the right coverage keeps one bad night from wiping out a season of profit, and Steadily makes it easy to put in place.

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:

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

How much short-term rental insurance costs in Washington

A policy built for short-term guests typically sits 15% to 25% above a standard landlord policy since insurers price in the added risk that comes with paying guests.

In Washington, coastal and storm exposure is one factor that can nudge premiums higher.

What you actually pay hinges on the property's rebuild cost, its location, your deductible, and the coverage you layer on for things like loss of income.

For the precise cost on your home, a quick quote is the fastest answer.

The short-term rental laws Washington hosts need to follow

Before you list a Washington property, it's worth checking the local ordinance, because short-term rental rules there vary from one municipality to the next. Our Washington short-term rental law guide lays out what to look for.

Depending on the city, you may need to register your rental, carry a business license, meet safety and inspection standards, or stay under an annual night cap.

Rates and rules differ by city and county, so two properties in the same state can owe very different lodging taxes.

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.