Homeowners FAQs

What does short-term rental insurance cover that my homeowners policy does not?

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Quick answer: STR insurance covers short-term rental activity that standard homeowners and landlord policies exclude.

Short-term rental insurance covers the business risks of renting your home to guests, risks that your standard homeowners policy specifically excludes. The moment you start renting your Georgia home on Airbnb or Vrbo, you are running a business, and most home policies are not built for that.

A short-term rental policy fills these gaps:

  • Commercial liability if a paying guest is injured on your property. A standard homeowners insurance policy often denies claims tied to business use.
  • Guest-caused damage to your home and furnishings, including theft by a guest.
  • Lost rental income if a covered loss makes the home unrentable for a time.
  • Bodily injury and property damage claims brought by guests, with legal defense.

The big danger is the business-use exclusion. If you regularly host guests and a fire or injury claim arises, your insurer can deny it because you were operating a rental, leaving you to pay out of pocket.

For example, if a guest slips on your back steps in Blue Ridge and sues for $75,000 in medical costs, a standard homeowners policy could deny the claim as business-related. A short-term rental policy would defend you and cover the award.

Renting a Georgia home to guests, even part-time, changes the coverage a property needs. A free coverage review shows whether the hosting activity is covered.