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Short-Term Rental Insurance in Raleigh & Garner, NC

If you regularly rent out your home or vacation property, you should consider obtaining short-term rental insurance.

What Is Short-Term Rental Insurance?Modern white townhouses seen short-term rental insurance

Short-term rental insurance helps protect you and your home if you frequently rent out your property to guests for a short period of time (less than two months). Your homeowners insurance policy typically will not offer protection if you’re renting out your home, even if it’s just a room.

What Does Short-Term Rental Insurance Cover?

A short-term rental insurance policy helps protect your home and belongings from damage caused by your guests. Most insurance policies include the following:

  • Dwelling coverage helps protect the structure of your home and other buildings on the property.
  • Personal property coverage helps protect your personal belongings on the property, such as electronics and furniture.
  • Personal liability coverage may help pay for medical bills if a guest is injured on your property or legal fees if they file a lawsuit against you.
  • Loss of revenue coverage helps cover lost income if damage forces your property out of service while it is being repaired.

What Is Airbnb Insurance and What Does It Cover?

Airbnb does provide free protection through a program called AirCover for Hosts. This program includes guest identity verification, reservation screening, $3 million host damage protection, $1 million host liability insurance, $1 million experiences liability insurance and a 24-hour safety line. While AirCover for Hosts provides some protection, it may not be a complete substitute for your insurance. You should discuss your insurance needs with an experienced insurer to understand if or how your policy may overlap with AirCover for Hosts.

Short-Term Rental Insurance Quote in Raleigh and Garner, NC

If you are interested in learning more about short-term rental insurance, contact ACF Insurance Services. We can help ensure that you have the right coverage for your situation. Contact us today for insurance in Raleigh, NC, or request your instant insurance quote now.

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