Airbnb insurance written for guest stays.
Coverage for homes, condos and guest units rented by the night or week, with property, liability and lost booking income set up for paying guests.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Your homeowners policy may not cover guests
Many homeowners and landlord policies limit or exclude coverage when a home is rented to short-term guests. A claim during a booking is exactly when that exclusion shows up.
Hosting platforms offer their own protection programs, but they have conditions and limits and don't replace a policy in your name. I set up coverage written for how you actually host.
- DwellingThe home or unit you rent to guests, including damage caused during a stay.
- LiabilityInjuries to guests and others on the property.
- Loss of incomeBooking income lost while a covered loss is repaired.
- ContentsFurniture, linens and supplies you provide for guests.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- The property: address, type and year built.
- How you host: whole home, unit or room, and nights booked per year.
- Platforms: Airbnb, VRBO or direct bookings.
- Ownership: personally, trust or LLC.
- Current policy: declarations page, if you have one.
- Claims: any in the last five years.
Short-term rental insurance, answered
Does homeowners insurance cover Airbnb guests?
Often not fully. Many homeowners policies exclude or limit business use such as renting to paying guests. Check your policy, or send it to me and I'll tell you what it says.
Isn't the platform's host protection enough?
Platform programs have their own conditions, exclusions and limits and are not a policy in your name. A short-term rental policy covers you directly.
Can I insure a short-term rental owned by an LLC?
Yes. The LLC can be the named insured, which keeps the policy consistent with how the property is owned.
Does it cover lost bookings?
Loss of income coverage can pay booking income you lose while a covered loss is repaired, depending on the policy.
Do you offer short-term rental insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state or high-value home insurance by state.
Tell me how you host. I'll shop it.
The address and how many nights you book a year are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
A short video from Sam
Under a minute each. Videos use an AI-generated version of Sam’s likeness and voice. General information only; coverage depends on your policy.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.