Protection for Your Home — Even When It’s a Guest’s Home

Renting out your property as a short-term or vacation rental can be a great way to generate extra income — but it also brings unique risks. Short-term rental insurance helps protect your home, your belongings, and your liability when you open your doors to guests.

Why Short-Term Rental Insurance Matters

Extra Coverage Beyond a Standard Policy

Your standard homeowners or renters insurance usually doesn’t cover damages or liability claims that happen while your home is rented out. Short-term rental insurance bridges this gap, ensuring you’re protected from guest-caused damage, injuries, and unexpected events — so you can rent with confidence.

A large white house with a white roof is sitting on top of a dirt road.

What Short-Term Rental Insurance Covers

Property Damage

Protects your home and belongings from guest-related damages or accidents, as well as damage from break-ins or theft.

Liability Coverage

Covers legal fees and medical costs if a guest is injured on your property or causes damage to someone else’s property during their stay.

Theft & Burglary

Helps reimburse you for stolen items or damages resulting from unauthorized access or criminal activity.

Loss of Income

Provides compensation if your property becomes uninhabitable due to a covered loss, helping replace rental income you would have earned. If you're a landlord or a tenant who sublets, check out our Renters Insurance page to understand how standard coverage can complement your short-term rental policy.

Questions We Hear Most — With Answers

A balcony with two chairs and a table with a view of the ocean.
A family is sitting on a sailboat in the ocean.

  • What is short-term rental insurance?

    Short-term rental insurance provides financial protection for property owners who temporarily rent out their homes or condos. It covers guest-related damage, liability claims, theft, and sometimes loss of rental income due to covered events.

  • Is my homeowners insurance enough for a short-term rental?

    No, standard homeowners insurance usually isn't enough for short-term rentals. You’ll likely need a rental endorsement or separate short-term rental insurance to cover guest liability, property damage, and income loss. Always check with your insurer.

  • Does short-term rental insurance cover my personal belongings?

    Yes — it can include coverage for your personal property that might be damaged or stolen during a guest’s stay. We’ll help you choose the right limits.

  • What if my guest gets hurt?

    Liability coverage included in a short-term rental policy can help cover medical costs and legal fees if a guest is injured on your property.

  • Why choose St. Andrews for short-term rental insurance?

    We understand the unique risks of vacation and short-term rentals in Florida. Our team offers local expertise, fast service, and clear guidance to keep your property — and your peace of mind — fully protected.

Local Help, Real Answers

Rent Out with Confidence

At St. Andrews Insurance, we make short-term rental insurance simple and supportive. You’ll get personalized advice, clear coverage options, and local expertise to help you rent worry-free.

A woman is shaking hands with a family in a living room.