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Does home insurance cover an Airbnb rental?
I'm thinking of renting out my property on Airbnb. Will my home insurance protect me against damages and losses?
Alexah Grinnell · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A traditional home insurance policy does not cover an Airbnb rental. Airbnb is considered a “short-term rental,” which traditional policies exclude coverage for.
Airbnb typically provides liability coverage for when you have guests staying in your home, but without a home insurance policy that covers short-term rentals, you may be denied a claim if you sustain a loss on your home and/or you could receive a cancellation notice for being in violation of the insurance contract. It’s important to make sure that your insurance company is providing you with coverage for having a short-term rental so that your property is insured properly.
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