Short-Term Rental Insurance — Florida Airbnb, VRBO & Vacation Rental Coverage

Frequently Asked Questions

• Will my homeowner policy cover an Airbnb?
  Usually no. Personal homeowner policies are built around owner occupancy and exclude or restrict business-use exposures like nightly rentals. Renting on Airbnb or VRBO without telling your carrier can void coverage.
• Doesn't Airbnb's Host Guarantee or AirCover cover everything?
  Platform protections are limited, often exclude certain perils, and are not a substitute for an owner-level policy. They can be a useful supplement, not a replacement.
• What's the difference between an STR policy and a landlord policy?
  Landlord policies assume long-term tenants on annual leases. Short-term rental policies assume transient guests, frequent turnover, business-use exposure, and amenity-driven liability.
• Does Florida require an STR license?
  Florida vacation rentals usually require DBPR licensing, and many cities and counties add their own registration, tax collection, and inspection rules. Confirm both state and local requirements.
• How is liability priced for an STR?
  Liability rate reflects guest capacity, amenities (pool, hot tub, watercraft), prior claims, and how the property is marketed. Higher limits and umbrella coverage are common.
• Is loss of income coverage included?
  Many STR programs include loss of rental income when a covered property loss takes the unit offline. The term and limit vary by carrier.
• What about hurricane and flood for a Florida STR?
  Wind may be included, excluded, or written separately depending on the location and the carrier. Flood is always a separate policy and is recommended broadly across Florida.
• Can I use the same policy if I switch from STR to long-term?
  No. Switching occupancy types requires a new policy or significant endorsement. Tell the agent before the change so the right form is in place.