Home Insurance Coverage for Airbnb in FL 

You may be thinking about renting out an extra room in your home or maybe you have another property you are considering to use as a vacation rental for Airbnb. While this is a great way to make extra income, it’s important to be sure that you have coverage to protect you and your property from associated risks. If you’re considering renting your property, your first step should be to talk with your agent at Choice One Insurance to discuss your rental’s needs.  

What Coverage Does My Airbnb Need? 
Every Airbnb’s coverage will be different depending on the unique needs of the rental property. Airbnb offers two coverage options under AirCover that provide some protection: 


The following are coverages that could also be considered for your rental property:  

• Standard home insurance—Provides liability coverage as well as property damage for guests and their belongings

• Short-term rental coverage—Covers the loss of rent if a rental is canceled, damage to the property, theft losses and damage protection

Do I Need More Coverage Than Standard Home Insurance?  
It’s highly recommended you obtain additional coverage aside from your standard home insurance policy. Most home insurance policies offer protection for occasional rentals. But when your property becomes a business, additional coverage is recommended because a traditional policy does not include liability coverage for business activity. Contact your agent at Choice One Insurance to determine which coverage options are best for your property.  

Contact Us Today 
At Choice One Insurance, we want to help you run your rental property with the proper protections in place. Contact us today to discuss your home insurance options.