Does home insurance cover an Airbnb rental?

Answered by Home Insurance, Car Insurance Expert Alexah on December 29, 2020

I'm thinking of renting out my property on Airbnb. Will my home insurance protect me against damages and losses?

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Home Insurance, Car Insurance Expert

A traditional home insurance policy does not cover an Airbnb rental. Airbnb is considered a “short-term rental,” which traditional policies exclude coverage for.

Airbnb typically provides liability coverage for when you have guests staying in your home, but without a home insurance policy that covers short-term rentals, you may be denied a claim if you sustain a loss on your home and/or you could receive a cancellation notice for being in violation of the insurance contract. It’s important to make sure that your insurance company is providing you with coverage for having a short-term rental so that your property is insured properly.

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