Short-term rental insurance
Short-term rental insurance basics
Short term rental insurance protects your vacation home, condo, or townhouse that is rented nightly via a rental platform, like AirBnB or VRBO, or by a property manager. If you are renting our your property, is important to assure that your coverage is tailored to that usage – as standard homeowners insurance policies cover only owner-occupied properties, and not homes that are rented or not owner-occupied.
Short-term rental insurance coverage options
Dwelling
Coverage for the main structure including the foundation, drywall, and roof. Sometimes referred to as ‘Coverage A’ in your policy.
Contents
Coverage for your appliances, furniture, etc. Sometimes referred to as ‘Coverage C’ in your policy.
Liability
Coverage including defense costs & settlements from lawsuit. Sometimes referred to as ‘Coverage E’ in your policy.
Umbrella
Coverage that increases your liability limit by $1-2 million. Highly recommended for all property investors.
Flood
Specialty coverage that enhances the policy to include damage caused by this unique peril.
Why use Fudge for short-term rental insurance?
The team at Fudge Insurance began writing short term rental when the vacation rental industry was just emerging back in 1999. Since then we have written 1000’s of homes ranging from the coast to the mountains, from 1 bedroom to 20, and everything in between.
