Does Your Homeowners Policy Cover Airbnb or Short-Term Rentals?

With the rise of Airbnb and Vrbo, many North Idaho homeowners are turning properties into vacation rentals. But does your homeowners policy cover this? The answer is often no.

Why Traditional Homeowners Insurance Falls Short

Standard homeowners insurance is designed for owner-occupied homes. When you rent out your property, even for a weekend, it becomes a business activity—and most policies exclude business use.

What You Actually Need

• Landlord or Rental Dwelling Policy: Covers property damage, liability, and sometimes loss of rental income.

• Short-Term Rental Endorsement: Some insurers offer add-ons specifically for Airbnbs.

• Business Liability Coverage: Protects you if a guest is injured and sues.

Example Scenario

A guest slips on your icy deck during a winter stay. If you’re relying on your regular homeowners policy, you may not be covered. With proper short-term rental coverage, your liability would be protected.

👉 If you’re listing your home on Airbnb, let’s review your policy to make sure you’re covered. A small adjustment now can prevent big financial headaches later.