A standard homeowners policy usually does not fully cover a home rented to short-term guests. Florida Airbnb and VRBO owners typically need a policy written for short-term rentals or a home-sharing endorsement, plus solid liability coverage. Platform guarantees are not a substitute for real insurance.
Talk to an independent broker in Sunrise
Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
Why doesn’t my homeowners policy cover short-term rentals?
Homeowners policies are built for owner-occupied homes. Renting to paying guests is often treated as a business activity, which many policies exclude or limit.
If a guest causes damage or is injured and your policy excludes rental activity, you could be left without coverage.
What coverage do short-term rental owners need?
Look for dwelling coverage, contents for furnishings, loss of rental income after a covered loss, and liability coverage written for guest stays.
Many owners also add an umbrella policy for extra liability protection.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
Are Airbnb and VRBO protections enough?
Host protection programs have limits, conditions and exclusions, and they are not a replacement for your own insurance.
We can review your property, rental frequency and location and quote carriers that write short-term rentals in South Florida.
Frequently Asked Questions
Do I need a commercial policy for my Airbnb?
It depends on how often you rent and whether you live there. Some owners need a dwelling or commercial policy, others an endorsement.
Does short-term rental insurance cover lost bookings?
Many policies include loss of rental income after a covered loss, such as hurricane damage.
Does my condo association allow short-term rentals?
Check your association rules first. Many South Florida associations restrict rentals.
Get your free quote today
Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
