Short-term rental insurance

Short-Term Rental Insurance

Running an Airbnb or VRBO in Lubbock is different from traditional long-term rentals, and standard landlord insurance doesn't cover the unique risks short-term rentals create. Higher guest turnover means more chances for damage, injuries, and theft. Guests treating your property like a hotel rather than a home creates liability exposures that standard policies specifically exclude, leaving you personally liable when problems occur.

Short-term rental insurance covers property damage from guests, liability when guests or their visitors get injured at your property, and loss of income when your rental is damaged and can't host guests. If guests throw a party that damages your property, if someone is injured in your rental's pool, or if theft occurs during a guest's stay, your STR policy provides coverage that standard landlord policies exclude. Many carriers now explicitly exclude coverage for short-term rental activities, making specialized insurance essential.

Guest discrimination claims, accidental damage to neighboring properties, and injuries to guests' visitors all create liability exposure that increases with higher occupancy turnover. Your policy should also cover your personal property like furniture, appliances, and amenities that make your rental attractive to guests. Business interruption coverage replaces lost rental income when covered damage forces you to cancel bookings while making repairs.

Platform protections from Airbnb and VRBO provide limited coverage with significant gaps and conditions that might leave you exposed when serious claims arise. Relying solely on platform coverage is risky because their policies are secondary, meaning they only pay after your own insurance, and they include numerous exclusions. We help you find dedicated short-term rental coverage that properly protects your investment property, rental income, and personal liability without gaps that platform policies create. Whether you rent occasionally or run multiple STRs full-time, proper insurance prevents guest incidents from becoming financial disasters.