Short-Term Rental Insurance in California
As Low As $85/month
Home-Share and Vacation Rental Insurance at a Price You Can Afford
We Shop Multiple California Carriers to Find Your
Best Short-Term Rental Rate
MIS Insurance is an independent agency, so we are not tied to one company. We compare high-rated carriers to find the right price and coverage for your rental. Most policies can start the same day.
Had claims or been dropped? If you have claims on your record or your insurance company dropped or non-renewed you, we can still find you a policy.
We insure:
- Whole-home vacation rentals
- Home-sharing, where you rent out a room or unit in the home you live in
- Condos and second homes rented by the night or week
- Rentals listed on Airbnb, Vrbo and similar sites
Why a regular policy may not be enough: homeowners and landlord policies are written for people who live in the home or rent it long-term. Many exclude or limit claims when paying guests are staying, which could leave you paying out of your own pocket.
What about the protection Airbnb and Vrbo offer? The platforms’ host protection has limits and exclusions, and it is not a substitute for your own policy. A short-term rental policy is built for the way you actually use the property.
What Does Short-Term
Rental Insurance Cover?
A short-term rental policy is built for homes rented to paying guests. It typically covers:
- The building: damage from fire, wind and other covered causes
- Your furnishings: the furniture, appliances and household items you provide for guests
- Liability: guest injuries that you are held responsible for, plus legal defense costs
- Loss of rental income: bookings you lose while a covered loss is being repaired
Coverage for theft or damage caused by guests varies by carrier. Ask us and we’ll look for a policy that includes what you need. Floods and earthquakes need separate policies.
How Much Does Short-Term
Rental Insurance Cost?
Short-term rental insurance from MIS starts as low as $85 a month. Prices vary. Yours depends on the property’s location and size, how often you rent it, the coverage limits and deductible you choose, and your claims history. Call us or request a quote and we’ll give you an exact price.
How Much Short-Term Rental Coverage
Do You Need?
- The building: insure it for what it would cost to rebuild at today’s construction prices, not for the market value.
- Your furnishings: a short-term rental is fully furnished, so add up the furniture, appliances, electronics, linens and kitchenware you provide.
- Liability: guests don’t know your property the way you do. Pools, hot tubs, stairs and decks all add risk, so choose a limit that protects your savings and other property.
- Loss of income: base it on what the property normally earns in a month and how long a major repair would take.
Tell us how you rent: the whole home or just a room, how many nights a year, and which sites you list on. That is how we match you with the right policy.
Ways to Save on
Short-Term Rental Insurance
- Choose a higher deductible. A higher deductible usually means a lower monthly price.
- Ask about safety discounts. Smoke and carbon monoxide alarms, fire extinguishers and security systems can help.
- Be accurate about how often you rent. A home rented a few weekends a year is priced differently from a full-time rental.
- Let us shop for you. We compare several carriers so you don’t have to.
your policy helps pay to repair it
and replace your furnishings.
liability protection helps
pay expenses.
loss of income coverage helps
replace them.
proof of liability insurance.
We can provide it.
Short-term rental insurance is meant to cover unexpected damage, not routine maintenance or normal wear and tear. Ask your agent what is covered and be sure to read your policy so you know exactly what’s included and what is not.
Short-Term Rental Insurance
Questions and Answers
I’ve had claims or my insurance company dropped me. Can you still insure me?
Yes. Even if you have had claims or your insurer dropped or non-renewed you, we can still find you a policy.
Does my homeowners insurance cover Airbnb guests?
Often not. Many homeowners policies exclude or limit short-term rentals. Tell us how you rent and we’ll check whether you need a different policy.
Doesn’t Airbnb or Vrbo already cover me?
They offer some host protection, but it has limits and exclusions and does not replace your own policy.
I only rent out a room in my home. Do I need this?
Home-sharing can still affect your homeowners policy. Call us and we’ll explain your options.
Does my city require insurance for a short-term rental?
Some California cities and HOAs require proof of liability insurance for short-term rentals. We can provide proof of insurance.
I rent to long-term tenants. Is this the right policy?
No. Long-term rentals need landlord insurance.
How much is short-term rental insurance in California?
Short-term rental insurance from MIS starts as low as $85 a month. Prices vary by property.
What is home-share insurance?
Home-share insurance is coverage for renting your home, or part of it, to short-term guests through sites like Airbnb and Vrbo. It is another name for short-term rental insurance.
Does short-term rental insurance cover damage caused by guests?
It varies by carrier. Tell us you want it and we’ll look for a policy that includes it.
Can I rent short-term part of the year and long-term the rest?
Tell us how you use the property and we’ll look for a policy that covers both.
How fast can I get covered?
Most policies can start the same day.
MIS Insurance provides short-term rental insurance in all cities in California including: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Riverside, Stockton, Chula Vista, Irvine, Fremont, San Bernardino, Modesto, Fontana, Oxnard, Moreno Valley, Huntington Beach, Glendale, Santa Clarita, Oceanside, Garden Grove, Rancho Cucamonga, Santa Rosa, Ontario, Elk Grove