Vacation rental insurance.

When it’s both your home and you rent it out to others, short-term rental insurance is important to consider.

Specializing in insurance throughout our community!

Other insurance products weren’t designed for home-sharing. As short-term and vacation rental services become increasingly popular, it’s important to understand how short-term rental insurance may offer you protection.

What are the risks your home faces?

Imagine if your house caught on fire. Not only would you lose your home, but you’d also be burdened financially and emotionally. Without adequate home insurance, you would be left with no way of raising the funds to pay off the balance of the mortgage. That’s why it’s important to have a homeowners insurance policy that covers your risks and fits your needs. It may also protect you from more common things like pipe leaks and property damage. Even small issues can add up, and having coverage helps you protect your biggest investment.

What Most Owners Pay

Smaller Homes & Condos
$1,000–$1,800 per year

Mid-Size Homes
$2,000–$3,200 per year

Large & High-Value Homes
$4,000+ per year

Higher-value homes can vary significantly depending on replacement cost, location, rental activity, amenities, and carrier availability.

Please note: These ranges are based on the average premium volume we currently place with multiple insurance carriers and are intended as general guidelines only. Actual premiums vary by property and coverage needs and are not guaranteed.

The best way to determine your cost is to request a personalized quote.

The Insurance Gap Most Vacation Rental Owners Don’t Know About

Your homeowner’s policy may not cover guest-related claims, property damage, or lost rental income. Landlord policies aren’t always designed for short-term rentals either.

Many owners assume they’re covered…Until they have a claim.

What About Airbnb and Vrbo?

Platform protection can help, but it often comes with limitations, exclusions, and coverage restrictions. It shouldn’t be your only line of defense.

Vacation Rental Insurance Designed for Hosts

The right policy can provide protection for:

Don’t Guess When It Comes to Coverage

Vacation rental insurance can be complicated. Every property is different, and choosing the wrong policy could leave you with expensive coverage gaps.

At Strand Insurance, we specialize in vacation rentals, second homes, condos, and high-value coastal properties. We’ll help you understand your options and find coverage that fits your property and budget.

Get a Personalized Quote Today

Not sure if your current insurance is adequate for short-term rentals?

Let’s review it together.