Choosing the best insurance for Airbnb hosts can be a challenge! With so many different types of policies out there, it can be difficult to figure out which is the best option. In this slideshow, we will provide answers many of the most common questions related to homeowner insurance, Airbnb, and short-term rental coverage.

1. The Best Insurance
for Airbnb Hosts

2. Does Airbnb Provide Insurance or Protection for
Hosts?
● Host liability insurance
○ Covers guest injuries,
damage to common
areas, and guests’
property being damaged
or stolen
● Host damage protection
○ Covers damage to hosts’
belongings/property,
unexpected cleaning
costs, and loss of income

3. Does Standard Homeowners Insurance Cover Airbnb
Properties?
● It depends on the specific
policy
● Some can be extended to
cover short-term rentals
● Most homeowners policies
don’t cover short-term
rentals because they’re
considered a business activity

4. Are Airbnb Properties Covered by Landlord
Insurance or Renters Insurance?
● In general, landlord
insurance covers long-term
rentals (not short-term
rentals)
● Guests should have
short-term renters insurance
● Hosts need short-term rental
property insurance or
home-sharing insurance

5. What Is Home-Sharing Insurance?
● Provides coverage to
short-term rental hosts while
guests are present
● Includes liability coverage as
well as property damage and
injury
● Policies can vary widely

6. Factors to Consider When Choosing Airbnb
Insurance
● Loss of income
● Property and contents
insurance
● Liability coverage
● Location-specific coverage
● No forced entry requirement
for damage or theft

7. Best Insurance for Airbnb Hosts
● Proper Insurance
● Allstate
● CBIZ
● Nationwide
● Farmers Insurance

8. Best Insurance for Airbnb Hosts (Continued)
● American Modern
● American Family Insurance
● Erie Insurance
● Safely Insurance
● Progressive Insurance

9. FAQs
● What is short-term rental
insurance?
○ Insurance that provides
coverage for liability
exposure and property
while hosts rent out their
homes
● Who needs short-term rental
insurance?
○ All Airbnb and
short-term rental hosts
should have short-term
rental insurance

10. Thanks for watching!
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