United Insurance Partners

In case you are an Airbnb host you may be wondering.....

Does standard homeowners’ insurance cover Airbnb properties?

Homeowners insurance coverage was developed to offer protection in the event of perils (causes of loss) such as fire, lightning, and wind. Things quickly get murky when you operate a business from your home — and insurers typically consider home-sharing a business activity.
If you rent out your property on a regular basis, a standard homeowner’s policy isn’t likely to provide adequate coverage. Home insurance policies often exclude liability coverage — including bodily injury and property damage — for any business activity run from the home. If you are relying solely on your homeowner’s policy for protection, you may be at risk of being underinsured or not insured. Exception: Most homeowners insurance policies offer protection for the occasional rental, as long as you inform the company beforehand.

If you want to make sure you are fully informed please contact us at 800-707-2360.