Airbnb Insurance
Renting your property through Airbnb opens the door to real income and real risk. Airbnb insurance gives short-term rental hosts the protection that platform coverage alone was never designed to fully provide.
Your Property Is Open for Business. Make Sure Your Coverage Is Too
Your homeowners policy was written with one assumption: that you live there. The moment you start hosting paying guests, that assumption changes, and so does your coverage. Airbnb and other short-term rental platforms offer some host protections, but these programs have significant gaps, exclusions, and claim limitations that can leave you financially exposed. Dedicated short-term rental insurance fills those gaps and gives you the confidence to host without second-guessing every booking.
Short-Term Rental Liability
Covers bodily injury or property damage claims filed by guests injured or impacted during their stay at your rental property.
Guest Damage Protection
Reimburses repair or replacement costs when a guest damages your furniture, fixtures, appliances, or personal property beyond normal wear and tear.
Loss of Rental Income
Compensates you for income lost when a covered event like a fire or water damage makes your property temporarily unavailable for bookings.
Building and Structure Coverage
Protects the physical structure of your property against covered perils including fire, storm damage, vandalism, and other qualifying losses.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Occasional and Part-Time Hosts
Renting out your home or a spare room a few times a year still creates liability gaps your homeowners policy will not cover. This protection steps in the moment a paying guest walks through the door.
Full-Time Hosts and Investment Property Owners
If your rental property is a primary source of income, the financial stakes are significantly higher. Comprehensive short-term rental coverage protects your asset, your revenue stream, and your long-term investment strategy.
Built for Hosts Who Treat Their Property Like the Asset It Actually Is
Short-term rental insurance is not one-size-fits-all, and neither are the hosts who need it. Whether your property is your primary residence or a dedicated investment, your exposure to risk is real and your standard policy is likely not enough.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Does my existing homeowners insurance cover Airbnb guests?
In most cases, no. Standard homeowners policies exclude or sharply limit coverage for business activities conducted on your property, and hosting paying guests typically qualifies as a business activity. Filing a claim for guest-related damage or injury under a traditional homeowners policy can result in denial or even policy cancellation. A dedicated short-term rental policy ensures your coverage matches how your property is actually being used.
Is Airbnb's AirCover protection enough?
AirCover provides some baseline protections for hosts, but it is not an insurance policy and should not be treated as one. It has exclusions, claim caps, and conditions that can leave significant financial gaps, particularly for high-value properties, income loss situations, or complex liability claims. Independent short-term rental insurance gives you broader, more reliable protection that is not tied to a platform's terms of service or subject to change without notice.
What if I only rent my property a few times a year? Do I still need this?
Yes. Even a single guest stay creates liability exposure that your homeowners policy may not cover. Frequency does not determine your risk, it only determines how often you are exposed to it. Many short-term rental policies are flexible and can be structured around your hosting habits, so you are not paying for more than you need while still being fully protected every time you have a guest on your property.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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