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Short-term rental insurance from Safely.

Short-Term Rental Insurance Built
for Property Managers

From property manager and host liability for bodily injury to guest-caused structural damage and everything in between, the Safely Protection Policy delivers short-term rental insurance built for the risks vacation rentals actually face. Coverage designed for what can go wrong, so your business is prepared when it does.

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*Not available in all states - please see the Insurance Licenses link below for the states where coverage is offered.

The Safely Protection Policy

Whether you manage one home or 10,000, the Safely Protection Policy is designed to deliver the right short-term rental insurance for your business, protecting the home, its contents, and your operation on every booking.

The coverage gap

Why your homeowner's policy doesn't cover vacation rental activity

Most owners don't discover this gap until a claim is denied. Standard homeowner's policies are written for personal residential use. The moment you accept payment from a guest, you've crossed into commercial territory that most personal policies explicitly exclude.

Short-term rental insurance, also called vacation rental insurance, fills that gap. It's structured for high guest turnover, variable occupancy, and the liability environment that comes with running a property as a hospitality business.

What's covered

What Safely's short-term rental insurance covers

Damage and liability, end to end

The Safely Protection Policy is designed to protect property managers and hosts across the full scope of short-term rental risk, including guest-caused damage to contents and structure and liability for guest injury.

Active on every reservation

Coverage activates per booking through your property management system integration. No manual activation, no gaps between reservations.

Proactive Liability Protection

Stop Guest Injuries From Becoming Lawsuits

Traditional insurance policies are primarily designed to respond to claims after they arise. Safely is designed to help prevent incidents from escalating into expensive, time-consuming lawsuits in the first place. A delayed response can mean missing evidence, incomplete documentation, and a claim that's more severe by the time it's addressed.

SAFELY PROACTIVE LIABILITY

  • Open a claim immediately
  • Capture and preserve incident information
  • Obtain guest statements while facts are fresh
  • Pursues early claim resolution opportunities

Loss Prevention Features Of Safely Proactive Liability

Bodily Injury

Immediate injury response and documentation

Medical payments to support injured guests

Goodwill outreach to reduce escalation

Claims files retained for up to seven years

Defense and investigation costs outside policy limits

Intentional Acts

Coverage for damage to adjoining properties

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Platform coverage

What's protected with Airbnb host insurance and platform coverage?

If you list on Airbnb, you've likely heard of AirCover, Airbnb's host protection program. It's a starting point, but it helps to understand what Airbnb host insurance through AirCover is, and what it isn't.

Coverage applies only to stays booked through Airbnb. Direct bookings, Vrbo (formerly HomeAway) reservations, and off-platform stays are not included.

AirCover is a host guarantee program with its own claims process, exclusions, and timelines. It is not a licensed insurance product.

Damage disputes go through Airbnb's resolution process, which many hosts find inconsistent and time-consuming.

Claims are evaluated by Airbnb rather than an independent insurer.

Safely's coverage operates independently of any booking platform, so your property is protected whether the reservation came through Airbnb, Vrbo, a direct-booking site, or your PMS.

That's the difference between platform-dependent protection and a standalone insurance policy.

How does Safely work?

1
Choose your coverage.

Select your level of coverage and sign up for Safely.

2
Connect your PMS.

Connect your property management system with Safely.

3
Begin Coverage.

Coverage is put in force during each guest's stay through your PMS integration.

Get Safely

See What Satisfied Safely Customers Have to Say:

We came on to Safely about three years ago, prior to that we were self-insuring which worked for us pretty well but then we discovered that Safely offered a lot more protection for ourselves and for our owners so it’s been a great move for us.

 
Pam Whilte
White Sail Realty

The claims process is insanely simple to go through, especially compared to other industry companies in vacation rentals. It’s also a really, really powerful thing when you can make a claim on something that isn’t necessarily accidental.

 
Natile e Riorda
Monarch Luxury Villas

They’re all kind, approachable if I have a problem I can always talk to a real person. And, everyone in their different departments can help me whether it’s financing, claims, or just questions.

 
Raina Pratt
Enjoy Montana VR

After years of the tedious process of filing claims with Airbnb, Safely is such a refreshing change!

 

Your team members have been absolutely phenomenal when answering any questions I may have during the process. Safely has my endorsement without question, the entire team has been excellent to work with any time we’ve had an issue.

 
Property Manager
Hawaii

Your claim process was as simple and as user friendly as was promised. We are now very loyal to Safely and your program. Thanks for making the process simple and for not making it confrontational with our guests. It is my hope that you remain successful for a long time. You are a game changer for those of us that are owners.

 
Property Manager and Owner
Utah

Frequently asked questions about
Short-Term Rental Insurance

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Quick & Simple Claims Process

If you or a traveling companion suffers an injury or sickness that requires treatment by a physician, some or all of the medical expenses could be covered with this benefit. Here are some common covered expenses you might see on your policy:

1. Services of a physician or registered nurse (R.N.).

2. Hospital charges.

3. Hospital ancillary services (including, but not limited to, use of the operating room or emergency room).

4. Use of an Ambulatory Medical Center.

5. X-rays.

6. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices.

7. Rental of durable medical equipment (such as a wheelchair or a hospital bed).

8. Anesthetics (including administration), treatments, transfusions and laboratory tests ordered by the attending physician.

9. Medicines or drugs administered by a physician or that can be obtained only with a Physician’s written prescription.

10. The cost of emergency dental treatment only during a trip limited to the maximum limit shown in the schedule of benefits.

Complimentary Guest Screening

If you or a traveling companion suffers an injury or sickness that requires treatment by a physician, some or all of the medical expenses could be covered with this benefit. Here are some common covered expenses you might see on your policy:

1. Services of a physician or registered nurse (R.N.).

2. Hospital charges.

3. Hospital ancillary services (including, but not limited to, use of the operating room or emergency room).

4. Use of an Ambulatory Medical Center.

5. X-rays.

6. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices.

7. Rental of durable medical equipment (such as a wheelchair or a hospital bed).

8. Anesthetics (including administration), treatments, transfusions and laboratory tests ordered by the attending physician.

9. Medicines or drugs administered by a physician or that can be obtained only with a Physician’s written prescription.

10. The cost of emergency dental treatment only during a trip limited to the maximum limit shown in the schedule of benefits.

Up to $1,000,000 for structural property damage & bodily harm

If you or a traveling companion suffers an injury or sickness that requires treatment by a physician, some or all of the medical expenses could be covered with this benefit. Here are some common covered expenses you might see on your policy:

1. Services of a physician or registered nurse (R.N.).

2. Hospital charges.

3. Hospital ancillary services (including, but not limited to, use of the operating room or emergency room).

4. Use of an Ambulatory Medical Center.

5. X-rays.

6. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices.

7. Rental of durable medical equipment (such as a wheelchair or a hospital bed).

8. Anesthetics (including administration), treatments, transfusions and laboratory tests ordered by the attending physician.

9. Medicines or drugs administered by a physician or that can be obtained only with a Physician’s written prescription.

10. The cost of emergency dental treatment only during a trip limited to the maximum limit shown in the schedule of benefits.

Up to $10,000 for property contents and belongings

If you or a traveling companion suffers an injury or sickness that requires treatment by a physician, some or all of the medical expenses could be covered with this benefit. Here are some common covered expenses you might see on your policy:

1. Services of a physician or registered nurse (R.N.).

2. Hospital charges.

3. Hospital ancillary services (including, but not limited to, use of the operating room or emergency room).

4. Use of an Ambulatory Medical Center.

5. X-rays.

6. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices.

7. Rental of durable medical equipment (such as a wheelchair or a hospital bed).

8. Anesthetics (including administration), treatments, transfusions and laboratory tests ordered by the attending physician.

9. Medicines or drugs administered by a physician or that can be obtained only with a Physician’s written prescription.

10. The cost of emergency dental treatment only during a trip limited to the maximum limit shown in the schedule of benefits.