Does Renters Insurance Cover Airbnb Guests? Here’s What You Need to Know
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 9
- 2 min read
Airbnb has made it easy for renters to earn extra income by hosting guests in their homes or apartments. But before you list your space, it’s important to understand how your insurance works. Many renters assume their renters insurance policy will cover Airbnb guests—but that’s not always the case. In this article, we’ll explain what renters insurance typically covers, why hosting guests can create coverage gaps, and how Wexford Insurance can help you protect yourself.
Does Renters Insurance Cover Airbnb Guests?
In most cases, standard renters insurance does NOT cover short-term rental activity. Renters insurance is designed to protect your personal belongings and liability for everyday living—not for business activities like hosting guests for profit.
Here’s why:
Business Use Exclusion – Most policies exclude coverage for business-related activities, and Airbnb hosting is considered a business.
Liability Gaps – If a guest is injured in your rental, your renters insurance may deny the claim because it occurred during a commercial transaction.
Property Damage – Damage caused by guests may not be covered under your personal policy.
What Risks Do Airbnb Hosts Face?
Hosting guests through Airbnb can expose you to several risks:
Guest Injuries – Slips, falls, or accidents in your rental space.
Property Damage – Broken furniture, stolen items, or structural damage.
Legal Liability – Lawsuits from guests claiming negligence.
Loss of Income – If your rental becomes uninhabitable after damage.
While Airbnb offers Host Protection Insurance, it may not cover everything—and it’s not a substitute for a comprehensive insurance plan.
What Coverage Do You Need Instead?
If you plan to host guests regularly, consider:
Short-Term Rental Insurance – Specifically designed for Airbnb and similar platforms.
Landlord or Commercial Property Insurance – If you own the property and rent it out.
Umbrella Liability Policy – Adds extra protection beyond standard limits.
How Wexford Insurance Can Help
At Wexford Insurance, we help renters and property owners find the right coverage for short-term rentals. Our team works with top carriers to provide:
Liability Coverage for Guest Injuries
Protection for Property Damage
Affordable Options for Occasional or Full-Time Hosts
Conclusion
Renters insurance alone won’t protect you when hosting Airbnb guests. To avoid costly gaps in coverage, consider a specialized short-term rental policy. Contact Wexford Insurance today to make sure you’re fully protected before you welcome your next guest.
