Short Term Vacation Rental Insurance Quotes In Florida

What Is Short-Term Vacation Rental Insurance?

Short-term vacation rental insurance—also known as rental property insurance for transient guests—is designed for homes or condos rented out for days or weeks at a time. It blends elements of homeowners, landlord, and commercial insurance to protect your property and liability when guests stay temporarily.

What Does Vacation Rental Insurance Cover?

A Florida short-term rental insurance policy typically includes:

1. Property Coverage

✔ Protects the structure and contents from fire, theft, vandalism, and storm damage
✔ Covers appliances, furniture, electronics, and décor used by guests

2. Liability Protection

✔ Covers bodily injury or property damage claims made by your guests
✔ Helps with legal fees, settlements, and medical costs

3. Business Income / Loss of Rental Income

✔ Reimburses lost income if your property becomes uninhabitable due to a covered event
✔ Ensures cash flow continuity during repairs

4. Guest Property Protection

✔ Optional coverage for guest belongings while staying in your home

5. Additional Protections

✔ Damage caused by guests
✔ Coverage for swimming pools, hot tubs, or recreational areas
✔ Commercial general liability if your rental activity is high-volume

Why You Need Short-Term Vacation Rental Insurance in Florida

Most homeowners and landlord policies exclude coverage for short-term or commercial use. Platforms like Airbnb may offer host protection, but it’s not a substitute for a proper insurance policy. Florida’s high turnover of guests, hurricane risk, and legal exposure make having the right vacation rental insurance absolutely critical.

How Much Does Vacation Rental Insurance Cost in Florida?

Pricing depends on:
✔ Location and property type (coastal vs inland, condo vs home)
✔ Frequency of rentals and average guest stay
✔ Amenities and risk factors (pools, grills, etc.)
✔ Coverage limits and deductibles

At Florida Best Quote, we shop policies from the nation’s top carriers to find you affordable short-term rental insurance tailored to your property and business model.

Get a Free Quote for Florida Vacation Rental Insurance

Don’t leave your rental property—and your income—unprotected. Whether you host guests year-round or only during tourist season, we’ll help you find the right coverage at the best rate. Contact Florida Best Quote today to get a free short-term vacation rental insurance quote and rent with peace of mind.