Short-Term Rental / Airbnb Insurance Cost Estimator
Estimate what it costs to protect your Airbnb or vacation rental property, including dwelling, guest liability, and loss-of-income coverage.
Replacement cost
Used for income coverage
Determines annual revenue
Impacts risk
Regional risk
Optional risk modifier
Liability driver
Premium trade-off
Discount factors
What This Tool Does
Helps hosts estimate total insurance costs for vacation-rental properties, combining dwelling, guest-liability, and rental-income protection into one projected premium.
What Short-Term Rental Insurance Covers
Short-term rental insurance typically includes:
- Dwelling: Damage from fire, weather, vandalism
- Guest Liability: Injuries or property damage during stays
- Contents: Landlord-owned furniture, appliances
- Loss of Income: Reimburses lost bookings after insured damage
Optional Add-Ons:
- Theft, vandalism, and host-liability beyond platform coverage
Typical US Premium Ranges (2025)
| Property Type | Avg. Annual Premium | Notes |
|---|---|---|
| Private Room Rental | $400–$800 | Low risk |
| Entire Home | $1,200–$2,000 | Standard |
| Multi-Unit Vacation Property | $2,500+ | Higher exposure |
| Luxury Villa / High-Value Home | $4,000+ | Specialty insurer |
Airbnb's Host Protection Program provides limited liability coverage, a dedicated policy is still needed for dwelling and income protection.
Premium Influencers
- Property location & catastrophe risk
- Nightly rate × occupancy rate (annual revenue)
- Guest capacity & turnover
- Security features
- Coverage limits & deductible
Savings Tips
- ✅ Bundle with homeowner or landlord policy
- ✅ Install smart locks & monitored security
- ✅ Require damage deposits
- ✅ Choose annual payments
- ✅ Keep consistent guest screening
Frequently Asked Questions
Q1: Does Airbnb cover my property?
A: Airbnb's Host Protection Program covers some liability but not property damage or lost income. You need separate insurance for comprehensive coverage of your property and rental income.
Q2: Can I deduct my insurance premium as an expense?
A: Yes, it's generally a deductible business cost for hosts. Short-term rental insurance premiums are considered ordinary and necessary expenses for running your rental business.
Q3: Does coverage differ for multi-unit rentals?
A: Yes; insurers treat them like small-commercial properties with higher liability thresholds. Multi-unit vacation rentals typically have higher premiums due to increased exposure.
Q4: What's the difference between short-term rental and landlord insurance?
A: Short-term rental insurance covers guest turnover, higher liability exposure, and loss of rental income during vacancies. It typically costs 25-50% more than standard landlord insurance due to these additional risks.