Understanding what your short-term rental insurance covers in real-world situations helps you prepare and maintain adequate coverage.
Covered Scenarios
- Guest accidentally breaks a window — Property damage coverage applies
- Guest slips and falls — Liability coverage handles medical costs and legal fees
- Storm damages the roof — Property coverage covers repairs
- Theft of your furnishings — Contents coverage applies
Typically Not Covered
- Normal wear and tear — Gradual deterioration isn't an insurable event
- Guest's personal items stolen — That's the guest's responsibility
- Pest infestations — Maintenance issues are excluded
- Intentional damage by the property owner — Self-inflicted damage is never covered
Review your policy details with a BlackArrow agent to understand exactly what's covered in your situation.
