Short Term Rental Insurance
Short-Term Rental Insurance is designed for homeowners who rent out their property on platforms like Airbnb or VRBO. It helps protect against property damage, liability claims, and lost rental income so they can host with confidence and safeguard their investment.
Coverage Designed for Hosts and Property Owners
If you rent out a home, cabin, condo, or investment property for short stays, a standard homeowners policy likely will not provide the protection they need. Short Term Rental Insurance bridges that gap. It protects the structure, furnishings, rental income, and liability exposures that come with welcoming guests
Dwelling Coverage
Protects the structure of the home from covered risks like fire, storms, and vandalism.
Liability Protection
Covers injury or property damage claims if a guest is hurt during their stay.
Contents and Furnishings
Protects furniture, appliances, décor, and amenities provided for guest use.
Loss of Rental Income
Replaces lost income if the property becomes uninhabitable due to a covered loss.
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.
Individual Hosts
Homeowners renting a spare room, basement apartment, or vacation property who need coverage beyond a traditional homeowners policy.
Investment Property Owners
Owners managing one or multiple short term rentals who depend on consistent rental income and need protection from liability and property risks.
Coverage for Property Owners Who Host with Purpose
Short Term Rental Insurance is ideal for property owners who rely on rental income or want to protect their investment from unexpected risks. Whether they rent occasionally or year round, the right coverage helps shield both their property and their revenue from costly setbacks. It provides added confidence that one accident, storm, or liability claim will not derail their financial goals.
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 homeowners insurance already cover short term rentals?
Most standard homeowners policies exclude or limit coverage for business activities like short term rentals. A specialized policy fills those gaps.
Does coverage include protection for guest injuries?
Yes. Liability coverage helps protect against claims if a guest is injured or their belongings are damaged during their stay.
Is coverage required if I rent occasionally?
Even occasional rentals create additional risk. One incident could result in costly repairs or legal claims, making proper coverage essential.
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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