Cabin Rental Insurance: Protect Your Investment
- Nate Jones, CPCU, ARM, CLCS, AU
- 4 hours ago
- 2 min read
Renting out a cabin—whether nestled in the woods, perched by a lake, or tucked into the mountains—can be a profitable and fulfilling venture. But it also comes with unique risks that standard homeowner's insurance won’t cover. From guest injuries to storm damage and income loss, cabin owners need specialized rental insurance to safeguard their investment.
At Wexford Insurance, we offer tailored cabin rental insurance that covers short-term and long-term rentals. Here’s what every cabin owner should know to stay protected and profitable.
Why You Need Cabin Rental Insurance
Many cabin owners assume their homeowners policy will cover rental activity. Unfortunately, most policies include a business activity exclusion, meaning any claim related to renting out your cabin could be denied.
If you rent your cabin through Airbnb, Vrbo, or privately, your property is considered a business. That changes your risk profile—and your insurance needs.
What Does Cabin Rental Insurance Cover?
A comprehensive cabin rental insurance policy typically includes:
Property Damage Protection
Covers damage from guests, storms, fire, vandalism, and theft—even during vacancy periods.
Liability Coverage
Protects you if a guest is injured or their belongings are damaged. Includes legal fees and medical expenses.
Loss of Rental Income
Reimburses lost income if your cabin becomes uninhabitable due to a covered event like fire or flood.
Guest-Caused Damage
Covers accidental or malicious damage caused by renters—something homeowners' insurance usually excludes.
Optional Add-ons
Flood insurance, environmental liability, and coverage for amenities like hot tubs or boats.
Common Risks for Cabin Rentals
Cabins face distinct risks that make specialized insurance essential:
Remote Locations: Cabins are often in areas prone to wildfires, floods, or snowstorms, which complicate claims and increase premiums.
High Turnover: Frequent guest stays increase wear and tear and the likelihood of damage.
Vacancy Periods: Unoccupied cabins are more vulnerable to vandalism, frozen pipes, and unnoticed damage.
Liability Exposure: Slips, falls, or injuries due to unsafe conditions can lead to lawsuits.
Why Choose Wexford Insurance?
Wexford Insurance offers customized rental property insurance for cabins, vacation homes, duplexes, condos, and more. Whether you rent seasonally or year-round, we provide coverage that adapts to your needs.
Our policies include:
Protection for guest-caused damage
Liability coverage for injuries and lawsuits
Loss of rental income reimbursement
Coverage during vacancy periods
Support for Airbnb, Vrbo, and private rentals
Final Thoughts
Cabin rentals offer charm, income, and flexibility—but they also come with risks that require specialized insurance. From natural disasters to guest-related damage, the right policy ensures your investment is protected.
Wexford Insurance is your trusted partner in cabin rental protection. Whether you own one cabin or manage multiple vacation properties, we’ll help you stay covered and confident. Connect today!
FAQs
Q1: Can I use homeowners' insurance for my rental cabin?
No. Most homeowners' policies exclude business activity like short-term rentals.
Q2: Does cabin rental insurance cover income loss?
Yes. If your cabin becomes uninhabitable due to a covered event, you can be reimbursed for lost rental income.
Q3: What if my cabin is vacant for part of the year?
Wexford Insurance offers coverage that includes protection during vacancy periods.
