Short-Term Rental Insurance That Helps Protect Your Investment.
We don't just find you the lowest price — we build a policy that holds up when you need it most. Our agents compare options across 20+ top-rated carriers to find you the right coverage at the best value.
THE FIRSTMARK CHALLENGE
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Have A Conversation.
We shop the markets.
Review the results.
You decide.
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A better way to review coverage.
The Firstmark Challenge
Our simple, guided process makes reviewing your insurance easy. We take the time to understand your needs, compare options across top carriers, and present clear results—so you can make a confident decision.
01
Have A Conversation
02
We Shop The Markets
03
Review The Results
04
You Decide!
Hosting Guests Comes With Risks—Your Coverage Shouldn’t Be Complicated
With FirstMark Insurance’s dedicated team, you get local experts comparing coverage from over 20 insurance carriers to help protect your property, income potential, and liability as a host—with strong coverage and competitive pricing.
Short-term rental insurance is designed to protect property owners who rent out their homes, vacation properties, or even single rooms on a short-term basis—typically through platforms like Airbnb or Vrbo. While many hosts assume their standard homeowners policy will cover these situations, that’s often not the case. Once you begin generating income from your property, insurers typically view it as a business activity, which introduces new risks that a traditional policy may exclude.
A dedicated short-term rental policy helps bridge that gap by covering exposures unique to this type of use. This can include property damage caused by guests, liability protection if a guest is injured during their stay, and even loss of income if your rental becomes temporarily uninhabitable due to a covered claim. Some policies also extend protection to things like theft, vandalism, or accidental damage—common concerns when different guests are cycling through your property frequently.
Another important consideration is liability. With a higher turnover of occupants, the chances of something going wrong naturally increase. If a guest slips on icy steps or is injured due to a maintenance issue, you could be held financially responsible. Short-term rental insurance typically includes higher liability limits and may offer legal defense coverage, helping protect your personal assets in the event of a claim or lawsuit.
Ultimately, short-term rental insurance provides peace of mind for property owners who want to generate income without exposing themselves to unnecessary risk. Whether you rent occasionally or operate multiple properties, having the right coverage ensures you’re protected not just for the structure itself, but for the unique business activity that comes with short-term hosting.
Many consumers simply shop on price as coverage can be very confusing for your vacation rental home. We have several carriers that offer protection for short term rentals so we can find the right protection and the best price for your individual needs.
Coverage Highlights
Tailored Coverage
Protect more of your home with tailor-made coverage for home share, included property and liability, that many homeowners’ policies and service providers don’t offer.
Liability
If you are responsible for injuries to someone else or damage to their property, you’re protected under the liability portion of your policy.
Personal Property
Your belongings inside your home are covered, from linens and furniture to your flat-screen TV.
Loss of Income
The benefit will replace the income you lose when you can’t rent your house while it’s being repaired after a covered claim.