Who insures short-term rentals?
Short-term rentals is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.
6 markets publicly write short-term rentals: Proper Insurance, American Modern Insurance Group, Safely (SafelyStay, Inc.), InsuraGuest, Burns & Wilcox and others. 2 admitted carriers, 1 lloyd's coverholder, 1 MGA, 1 program administrator, 1 wholesaler.
By Sam Alishahi, independent insurance broker
Who says they write it
From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.
| Market | What they say they write | Where | Paper | Source |
|---|---|---|---|---|
| Proper Insurance Lloyd's coverholder | Short-term rental policy (The Proper Policy) replacing homeowners/landlord forms for Airbnb and Vrbo hosts; backed by Lloyd's of London and Concert Specialty; part of Specialty Program Group (HUB International) “Proper Insurance exclusively provides short-term rental insurance for property owners, Airbnb hosts, and Vrbo operators.” | all 50 states and Washington, D.C. | not stated | proper.insure · read 2026-10-28 |
| American Modern Insurance Group Admitted carrier | Short-term rentals, vacation homes and vacancies under its residential occupancy programs; homeowners product lists a short-term and occasional rental option “Help your customers protect non-traditional properties like vacancies, vacation homes and short-term rentals” | not stated | not stated | agents.amig.com · read 2026-10-28 |
| Safely (SafelyStay, Inc.) MGA | Damage and limited liability coverage plus guest screening for professional short-term rental operators; coverage through its excess and surplus lines licensed affiliate On Demand Insurance Agency, LLC; covered property types include treehouses, yurts and tiny houses “The insurance platform built for professional short-term rental operators.” | not stated (page links a list of licensed states) | not stated | safely.com · read 2026-10-28 |
| InsuraGuest Program administrator | Vacation rental guest-injury (no-fault accidental medical) and guest-caused property damage protection configured per property; underwritten by Crum & Forster, administered by InsuraGuest Agency, LLC; property damage via a GuestPlus service contract “Help property owners get the best vacation rental insurance on the market” | not stated (Utah license shown; By State page linked) | not stated | insuraguest.com · read 2026-10-28 |
| Burns & Wilcox Wholesaler | Homeowners with Airbnb exposures (listed under Homeowner's Coverage); recent-wins section cites a short-term rental in the Ozarks, MO “Airbnb exposures” | not stated | not stated | burnsandwilcox.com · read 2026-10-28 |
| Foremost Insurance Group (Farmers) Admitted carrier | Vacation and short-term rental homes (leases under 12 months) within the landlord program, plus one-to-four family rentals and student rentals “properties rented to students, and vacation and short-term rental properties.” | availability varies by state | not stated | foremost.com · read 2026-10-28 |
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