Short-term Rental Insurance

Comprehensive Protection Your Homeowner's Insurance May Not Provide

Happy homeowners and comfortable guests start with best-in-class vacation rental protection - backed by professionals who care.

Safely provides insurance for guests, property managers, and homeowners who need comprehensive insurance coverage for their short-term or vacation rental property. 

Our human-powered technology provides homeowners and property managers peace of mind by partnering with them as they build their business. Every day of the year, Safely protects homeowners who are renting out a spare room, professional property managers with portfolios of hundreds of units, and everyone in between. 

And, because Safely integrates seamlessly with many of the top property management systems (PMS), initiating coverage happens seamlessly with every reservation.

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Why do you need insurance for your short-term rental property?

Most homeowner insurance policies don’t cover you when your property is used for commercial purposes.

So, if you have guests at your vacation rental property, your existing homeowner policy won’t cover a slip and fall or a broken window. And large commercial claims on your homeowner policy can negatively impact future premiums—costing you more in the long run.

What does Safely’s short-term rental insurance cover?

Safely’s comprehensive insurance policy covers on-site incidents, including property contents, structural property damage, and personal injury—for the homeowner, the property manager, and guests—so everyone’s protected.

Property contents

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Our short-term rental coverage allows you to claim the replacement cost of up to $10,000 for property contents and belongings.

Structural property damage

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With Safely, you’re covered for up to $1,000,000 for structural damage to your home, including labor and materials costs.

Bodily harm

Physical injury is included as part of your $1,000,000 coverage, so if a guest has an accident while on vacation at your property, you’re protected.

And every Safely policy includes complimentary Guest Screening, giving you confidence your guests are who they claim to be.

Types of properties covered by Safely

Whether you’re generating rental income in your primary residence or second home, Safely covers you for residential properties, such as:


Safely short-term rental insurance property types








Photo by Binyamin Mellish from Pexels


Safely short-term rental insurance property types

What do Airbnb & Vrbo cover for insurance?

Airbnb provides “Host Protection” and “Host Guarantee” insurance. Vrbo encourages property managers to get additional coverage. These coverages do have limitations. Often times host coverage only protects the property itself against damage and does not cover theft or personal liability. Airbnb also suggests hosts also purchase personal insurance for any property damage caused by guests that they don’t protect.

Safely’s comprehensive insurance plan bridges the gap between what these standard insurance policies offer and what you need, keeping your assets protected with $1,000,000 of liability coverage.

What happens if someone damages your Airbnb or Vrbo property?

Some booking sites like Airbnb or Vrbo require guests to admit they caused the damage within a limited period of time before they can approve your claim. 

This puts the responsibility on you to resolve the matter, which can take weeks or months—and often it doesn’t get resolved at all.


Making a claim with Safely

At Safely, making a claim is quick, painless, and payment can take as little as 4 days! 

We don’t ask you to chase after your guests to make a claim. All you need to do is:

  • Take pictures of the damage

  • Submit your claim

  • Let us handle the rest

Frequently asked questions

What is short-term rental insurance?

If you’re a homeowner that wants to earn rental income, short-term rental insurance covers this business transaction as your home insurance carrier doesn’t offer coverage. Short-term rental insurance protects your property and liabilities while your home is rented and doesn’t affect your homeowner’s insurance policy. For example, if a paying guest is injured and sues you, Safely’s comprehensive liability coverage in your short-term rental insurance will protect you financially.


What is a vacation rental insurance policy?

While Airbnb and Vrbo provide standard host protection and host guarantee insurance, their coverage doesn’t protect your income, vacation rental property, or your guests from accidents and injuries. Vacation rental insurance policies add that layer of comprehensive protection in the event the unfortunate happens. Safely’s policy offers $1,000,000 of liability coverage for your property.


What insurance do I need to run an Airbnb?

Airbnb is usually not covered by homeowners insurance. Airbnb short-term rentals are a business transaction, so you’ll need a short-term rental insurance policy like Safely. Safely’s renter’s insurance policy will replace your current homeowners insurance, as well as coverage for you and your Airbnb guests while you’re there.


What can I do to protect my short-term rental vacation property?

Your short-term rental property isn’t covered by the usual homeowner’s policy as an Airbnb host. To protect your short-term rental property, consider getting a comprehensive short-term rental insurance plan like the one Safely offers, along with guest screening. This way, you can also gauge what type of guests are renting your property. 


What is the average cost of vacation rental insurance?

The average annual cost of vacation rental insurance is $2,000 to $3,000, which is roughly two to three times the cost of a standard homeowners’ policy.

Some of the factors that influence your premium are how frequently you rent the property, the average length of time your guests stay, your property’s location, what facilities you have on the property, and lastly the worth of your property.