Renting out your home or a unit changes the risk. A standard home policy is not designed for rental activity by default, and short-term rentals in particular can create coverage gaps if they aren't disclosed and insured properly. We'll match the policy to how you actually rent the property, then keep it competitive year after year.
The dwelling and anything attached, plus detached structures like sheds or garages. Limits should be set based on rebuild cost, not the real estate price.
Covers what you provide to tenants or guests, such as appliances, furnishings, and certain fixtures. Tenant belongings are not covered under your policy.
Liability covers injuries or damage you might be held responsible for. With tenants and guests coming and going, this is one of the most important parts of a rental policy.
Airbnb or similar platforms, occasional hosting, or frequent guest turnover.
Even if it's "just for a few weeks," the use has changed and should be insured properly.
Room rentals and student rentals have different underwriting expectations than owner-occupied use.
Condo rentals can require specific setup and documents. It's also smart to confirm if your condo board permits hosting.
Airbnb or similar platforms, occasional hosting, or frequent guest turnover.
Even if it's "just for a few weeks," the use has changed and should be insured properly.
Room rentals and student rentals have different underwriting expectations than owner-occupied use.
Condo rentals can require specific setup and documents. It's also smart to confirm if your condo board permits hosting.
Want to avoid coverage gaps?
Send us the property address, how it's rented (long-term vs short-term), and a quick outline of what you provide (appliances, furnishings). If you have insurance requirements from a condo board, lender, or property manager, just forward them and we'll handle the rest.
Once you charge money for someone to stay in the property, insurers typically need it disclosed and rated correctly. We'll place coverage that recognizes the rental exposure so there are no surprises at claim time.
Some policies include rental income coverage, others require it as an endorsement. We'll make sure it's in place if the income matters to you.
More turnover means more third-party exposure. We'll recommend a liability limit that fits the property type, the rental style, and your overall risk profile.
Once you charge money for someone to stay in the property, insurers typically need it disclosed and rated correctly. We'll place coverage that recognizes the rental exposure so there are no surprises at claim time.
Some policies include rental income coverage, others require it as an endorsement. We'll make sure it's in place if the income matters to you.
More turnover means more third-party exposure. We'll recommend a liability limit that fits the property type, the rental style, and your overall risk profile.
Not every endorsement fits every rental, but these are the usual difference-makers. We'll recommend the right mix based on the building, location, and rental style.
In most cases, no, not properly by default. Short-term rentals in particular can create coverage issues if the policy wasn't set up for it. If you're renting a room, hosting students, listing your condo while you're away, or running a full-time short-term rental, send us the details and we'll place the right coverage so you're not guessing at claim time.
Ready to Work with an Expert?
Get personalized advice and a quote tailored to your specific needs.
