The moment you rent your property short-term, a standard homeowners policy may consider it a business use and deny the claim. Platform “host protection” is real but limited and is not a substitute for your own policy. We write true short-term rental coverage — dwelling protection, business liability, loss of rental income, and guest-related exposures — so your Hill Country Airbnb or VRBO is protected whether it is booked or between guests.
Who this is for
Airbnb / VRBO hosts
Whole-home or room rentals listed on any platform.
Investment STR owners
Properties bought specifically to operate as short-term rentals.
Occasional renters
Renting your home a few weekends a year, like during events.
What it covers
- Dwelling & contents for rental use
- Commercial / business liability for guest injuries
- Loss of rental income after a covered loss
- Coverage between bookings (vacant periods)
- Theft and damage caused by guests
- Supplements or replaces platform host protection
Why your homeowners policy won’t cover it
Standard homeowners policies are written for owner-occupied homes — and most explicitly exclude properties rented to guests for periods under 30 days. The moment money changes hands for a nightly or weekly stay, your insurer can treat it as a business use and deny the claim entirely: a guest injury, stolen valuables, damaged furniture, or a fire that interrupts your bookings.
That’s not a loophole you want to discover after a claim. Short-term rental insurance is built specifically for furnished properties with rotating guests and the liability that comes with them.
What short-term rental insurance actually covers
A proper STR policy combines property protection with business-grade liability designed for hosting:
- Dwelling & structure — fire, smoke, storm, and other covered losses
- Guest liability — when a guest or visitor is injured on the property
- Loss of rental income — replaces booking income while a covered loss makes the place unrentable
- Contents & furnishings — the furniture, appliances, and electronics you provide for guests
- Theft & vandalism — including damage caused by guests
AirCover and host protection: helpful, but not enough
Airbnb’s AirCover and Vrbo’s liability programs are real, but they’re limited, secondary, and full of conditions. They’re not a substitute for insuring your building or carrying your own liability, and they can leave gaps exactly when you need coverage most. A dedicated STR policy sits underneath you so you’re protected whether the platform’s program responds or not. Most hosts pay roughly $100–$200 a month for comprehensive coverage — small next to a denied claim.
Texas short-term rental rules are local
Texas has no single statewide short-term rental law — regulation is left to cities and counties, and the rules vary widely. Registration, permits, occupancy limits, taxes, and safety requirements can all differ depending on where your property sits, and some of those local rules (or your HOA) may require proof of insurance. We help make sure your coverage lines up with the requirements where you actually operate.