Insurance for Short-Term Rental Property Owners

Short-term rental property owners face a unique insurance challenge — standard homeowners and landlord policies typically exclude commercial rental activity, leaving STR operators with significant coverage gaps. Whether you operate a single vacation rental or a portfolio of dozens of properties on Airbnb, VRBO, and other platforms, Grandbay places commercial insurance programs specifically designed for the exposures of short-term rental property ownership.

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Who We Serve

Airbnb HostsVRBO OperatorsVacation Rental OwnersSTR Portfolio InvestorsVacation Rental Management CompaniesBeach & Mountain Property OwnersUrban STR Operators

Specialized Coverage

Purpose-Built Programs for Short-Term Rental Portfolios

Why Grandbay

STR commercial insurance specialists

Platform coverage gap analysis

Multi-property STR programs

Loss of rental income coverage

Guest injury liability coverage

Local regulatory compliance support

A-rated STR property carriers

Coverage Programs

What We Cover

Commercial Property

All-risk property coverage for short-term rental properties, including contents, furnishings, and loss of rental income.

Commercial General Liability

Premises liability for guest injuries at STR properties — platform host protection programs are often insufficient for serious claims.

Guest Property Damage

Coverage for damage to guest personal property caused by property defects or building system failures.

Loss of Rental Income

Coverage for lost rental income during periods when the property is uninhabitable due to a covered loss.

Umbrella / Excess Liability

Excess coverage above primary GL for STR portfolios with elevated guest injury exposure.

Cyber Liability

Coverage for data breaches involving guest financial data and booking platform credentials.

Risk Advisory

Key Exposures We Address

Short-Term Rental Portfolios operations carry distinct risks that require specialized coverage strategies. Our team identifies and mitigates the exposures most likely to impact your business.

Guest Injury Claims

Guest injuries at STR properties — from slip-and-fall to pool and hot tub incidents — can result in significant liability claims that platform protection programs do not fully cover.

Platform Coverage Gaps

Airbnb and VRBO host protection programs have significant exclusions and limitations that leave STR owners exposed for serious claims.

Property Damage by Guests

Guest damage to STR properties — from parties, accidents, and intentional acts — can result in significant property losses.

Local Regulatory Compliance

STR operators face complex and rapidly changing local regulations, with significant penalties for non-compliance.

Loss of Rental Income

Property damage that renders the STR uninhabitable can result in significant lost rental income during the repair period.

Homeowners Policy Exclusions

Standard homeowners policies typically exclude commercial rental activity, leaving STR owners without coverage for guest injuries and property damage.

Get Protected

Ready to Protect Your Short-Term Rental Portfolios Operation?

Our specialists are ready to design a program tailored specifically to your operations, exposures, and growth objectives.

Get an STR Insurance Quote 1 (888) 676.4902