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SHORT-TERM RENTAL INSURANCE · GEORGIA

Short-term rental insurance for Georgia Airbnb and VRBO hosts.

Airbnb's AirCover and VRBO's coverage programs provide some protection but they are not insurance policies. Both have exclusions and claim processes that regularly leave hosts with gaps. A dedicated short-term rental policy covers your property commercially from the first night of your first guest.

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WHAT'S COVERED

What short-term rental insurance covers

Property Damage Coverage

Covers the physical property during guest stays and between rentals.

Host Liability Coverage

Pays if a guest is injured on the property. Most home-sharing platforms provide some liability but limits are often lower than they appear.

Lost Rental Income

Pays lost rental income if the property is damaged and unavailable for booking during repairs.

IMPORTANT LIMITATIONS

What short-term rental insurance does not cover

Uncovered personal homeowners policy

Most homeowners policies exclude short-term rental activity entirely. The property must be disclosed as a rental.

Guest personal property

Guest personal property and belongings are not covered by the host's policy.

Intentional guest damage

Intentional damage by guests may be subject to different claims handling.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Hosting on Airbnb or VRBO in Georgia?

Airbnb and VRBO coverage has significant gaps that most hosts don't discover until they file a claim. Send us your property details and hosting arrangement and we will show you what actual coverage looks like.

$1,600 to $5,500 per year for Georgia STR properties

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