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Commercial Short-Term Rental Insurance

Proper Insurance


Most owners of short-term rental properties are not aware their homeowners or landlord insurance does not adequately cover Airbnb® and Vrbo® exposure. When you entrust your property to a paying short-term rental guest, giving them the keys to your house, insurance contracts begin to break down and big gaps in coverage exist. Common gaps would be damage caused by a guest such as fire, vandalism, theft, lost business income and a plethora of liability concerns surrounding the potential injury to a guest.


Why A Commercial Insurance Requirement?


When a family travels and checks into a vacation rental they assume the property is safe just like a hotel. The problem is most insurance carriers do not underwrite the property for safety, and why would they as both homeowners and landlord properties are not open for business or to the public. But short-term rentals are open for business and they do have the public staying in them. They are no different than a hotel which means they are subject to the same hospitality laws and should be required to carry commercial or business insurance.

Commercial short-term rental insurance comes with a higher level of underwriting which ultimately means safer properties for the public. Proper Insurance offers a level of protection unmatched in the industry, but not every property is a fit. Having a commercial insurance requirement for short-term rentals is good for the owners and good for the city. Other hospitality entities including bed and breakfasts and hotels carry commercial insurance, short-term rentals should be no different.


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