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Buy the Right Insurance for Short-Term Rentals

The legalities are a work in progress when it comes to short-term rentals in San Francisco. But if you’re leasing any part of your property for fewer than 30 days via a site like airbnb, it’s critical to have sufficient insurance.

Though Airbnb guarantees up to $1M for property damage, there’s no coverage for an extremely important item—personal liability. If a guest is injured on your property, you’re on your own.

What you need to have in place is a vacation rental policy, which includes coverage called “personal injury,” says Roger Larson of Larson Insurance Brokers/TWFG Insurance Services. This protects you if a short-term tenant is injured during his or her stay. Larson says that many property owners assume they’ll be covered for personal liability on their existing policy. But liability on a primary home policy doesn’t cover any type of rental exposure. Continue Reading

Get in touch:

Eileen Bermingham

Zephyr Real Estate



BRE# 01352627

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