Short-Term Rental Insurance in Florida for Airbnb and VRBO Hosts
Special Coverage for Your Airbnb/Vacation Rental
Home-sharing needs more than a standard home policy.
Many homeowner and landlord forms exclude or limit transient rentals. If you host guests in Vero Beach—on the Barrier Island or near Royal Palm Pointe—you need coverage designed for frequent turnovers and guest liability. Complete Trust Insurance places short-term rental programs that coordinate with your homeowners insurance, complement landlord insurance when needed, and address coastal risks unique to Florida.
What a Short-Term Rental Policy Covers
Property, Contents, and Guest Liability.
Specialized policies or endorsements can insure the dwelling, your furnishings, and liability arising from guest stays. Some programs include limited coverage for guest-caused damage that a standard policy might exclude. We’ll match coverage to your rental calendar and platforms.
Differences from Standard Landlord Insurance
Business Exposure Changes the Playbook.
Occasional rentals may qualify for a home-sharing endorsement; full-time vacation rentals typically need dedicated coverage. We’ll help you decide which approach fits, considering frequency, occupancy, and platform requirements.
Airbnb Host Protection vs. Your Policy
Platform Programs Aren’t a Substitute.
Platform protections can have exclusions, sublimits, or claims requirements. A purpose-built policy offers clearer terms, higher limits, and better alignment with mortgage and HOA rules. For coastal properties, add
flood insurance separately—rising water isn’t covered by home or STR forms.
Florida Vacation Rental Insight
Local Conditions Matter—from Hurricanes to HOA Bylaws.
We’ll check occupancy rules, minimum night requirements, and safety expectations (alarms, handrails, pool barriers). For condos, we’ll coordinate with HOA documents so your unit policy and the building’s master coverage work together.
Frequently Asked Questions
Answers for Florida Hosts.
Does my homeowners policy cover Airbnb rentals?
Typically not for frequent or paid transient occupancy. You may need a home-sharing endorsement or a dedicated STR policy.
What if I only rent a few weekends a year?
Occasional rentals may be endorsed onto a home policy; frequency determines the best option.
Does Airbnb’s protection replace insurance?
No. Platform programs have limitations. Your own policy ensures consistent, contract-backed coverage.
Can I insure a condo used for short-term rentals?
Yes—subject to HOA rules and carrier guidelines. We’ll align your unit coverage with the master policy.
Is flood covered under short-term rental insurance?
No. Purchase separate flood coverage if you’re near the lagoon, river, or coast.
Will my mortgage allow short-term rentals?
Some lenders restrict STR activity or require specific insurance proof. We’ll help you meet requirements.