Short-Term Rental Insurance

Flexible Coverage for Airbnb, VRBO & Vacation Homes

Short-term rentals aren’t a fit for most standard homeowners markets — especially when the property is booked frequently, owned by an LLC, or in a seasonal area. We help independent agents place Airbnb, VRBO, and vacation rental risks that fall outside the box.


Our surplus lines carriers understand rental income, guest turnover, and rural locations — making it easier for you to cover your clients without gaps.

What We Write

  • Short-term vacation homes (Airbnb/VRBO)


  • Mountain cabins & lakeside cottages


  • Second homes rented part-time


  • Full-time short-term rental properties


  • Multiple short-term properties under one owner


  • Homes in tourist, seasonal, or remote areas



  • Properties owned by individuals or LLCs
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Coverages Available

Dwelling & Structure Coverage

Personal Property (furnishings, appliances, etc.)

Loss of Rental Income

Liability for Short-Term Guest Injuries

Vandalism, Theft & Damage

Optional: Animal Liability, Ordinance & Law, Excess Liability

When to Use Our Program

  • Property is regularly rented to short-term guests


  • Client has multiple bookings or year-round listings


  • Home is ineligible for a standard HO policy


  • Prior claims, unique construction, or lapse in coverage



  • Property is in a rural or vacation-heavy area


We understand the difference between a second home and a cash-flowing rental. Our markets are built for this kind of exposure.

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FAQs

  • Can you write full-time Airbnbs or just part-time rentals?

    We can write both. Just let us know the frequency of rentals, if the home is ever owner-occupied, and how it's marketed.

  • Is there a limit on how many short-term rentals a client can own?

    No strict limit — we routinely write schedules of 2–10+ short-term rentals under one owner. Each property is reviewed individually or as a package.

  • Do you require security features like cameras or alarms?

    Many carriers prefer them but don’t require them. Include details if available — it may help improve the quote.

Let’s Get It Quoted

Have a short-term rental that’s too complex for a standard policy?


Call (865) 909-0181 or email jacki@sgatn.com with your submission.


We’ll take care of the rest.