Home-Sharing Insurance

Renting your home on Airbnb or Vrbo? Standard home policies often won't cover it.

Listing your home or a room on a short-term rental platform turns it into a business activity — and most standard home policies exclude or limit that. Home-sharing coverage protects you when paying guests stay, covering property damage, liability, and lost income.

Whether you host occasionally or run a dedicated short-term rental, we make sure you're properly covered before, during, and between bookings.

What's covered

Property damage caused by paying guests
Liability if a guest is injured during their stay
Theft of contents during guest stays
Lost rental income after a covered loss
Gaps that platform host guarantees don't cover

Good to know

Frequently asked questions

Doesn't Airbnb's AirCover protect me?: Platform guarantees are limited, with exclusions and claim caps. They're not a substitute for your own insurance — home-sharing coverage fills the gaps.
Will hosting void my regular home policy?: It can. Many standard policies exclude business or short-term rental use. We'll arrange coverage that keeps you protected.
I only host a few weekends a year — do I need it?: Even occasional hosting can trigger exclusions. A home-sharing endorsement is usually inexpensive and well worth the protection.

Insurer partners

Insurers we compare for home-sharing insurance

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Frequently asked questions

Doesn't Airbnb's AirCover protect me?

Platform guarantees are limited, with exclusions and claim caps. They're not a substitute for your own insurance — home-sharing coverage fills the gaps.

Will hosting void my regular home policy?

It can. Many standard policies exclude business or short-term rental use. We'll arrange coverage that keeps you protected.

I only host a few weekends a year — do I need it?

Even occasional hosting can trigger exclusions. A home-sharing endorsement is usually inexpensive and well worth the protection.