Owner Options for Short Term Rental Insurance
When operating a short-term rental (STR), having the right insurance coverage is essential. Policies designed for traditional homeowners may not provide the broad and unique needs of an STR property, so it’s important for owners to explore the right options.
Disclaimer: The information below is provided as a resource only. These are not recommendations or endorsements from Gather. We encourage owners to independently research, compare, and consult with trusted professionals to determine what works best for their property and situation.
Known Providers
Based on what we’ve seen among many owners in our network, these three carriers are commonly used for STR coverage:
Bulk Shopping Tools
If you’re looking to compare options more broadly, bulk quote tools can help you shop multiple providers at once. These platforms provide side-by-side comparisons and estimated costs:
Alternatively, you may also consider contacting a local insurance broker who can pull multiple quotes and walk you through the options available in your area.
STR-Specific Offerings
There are insurance products designed specifically for the vacation rental and STR industry. One example:
These policies are often structured to address STR-specific risks such as frequent guest turnover, liability for guest injuries, and property damage.
Helpful Resources & Blogs
If you’d like to dive deeper, AirDNA has put together some guides and resources that break down STR insurance in more detail: