When it’s both your home and you rent it out to others, short-term rental insurance is important to consider.

Short-term rental insurance in Florida is essential for property owners using Airbnb, VRBO, and other vacation rental platforms. Standard homeowners insurance policies are not designed to cover short-term rental activity, which is typically considered business use and may result in denied claims.

Atlantis Insurance Inc works with property owners to structure insurance solutions that address the unique exposures associated with short-term rentals, including liability, property damage, and loss of rental income.

⚠️ WHY STANDARD HOMEOWNERS INSURANCE FALLS SHORT

👉 This section impresses carriers

Many homeowners policies contain exclusions or limitations related to short-term rental activity.

Common issues include:

• Business activity exclusions

• Limited liability coverage for paying guests

• No coverage for loss of rental income

• Restrictions on frequency of rental use

  A claim involving a short-term rental property may be denied if the policy is not properly structured.

💥 KEY RISKS FOR SHORT-TERM RENTALS IN FLORIDA

Short-term rental properties present unique risks that differ from owner-occupied homes:

• Guest-caused property damage

• Liability claims from guest injuries

• Loss of rental income after a claim

• Theft or vandalism

• Increased exposure due to high guest turnover

🛡️ COVERAGE SOLUTIONS FOR SHORT-TERM RENTALS

A properly structured short-term rental insurance program may include:

• Dwelling coverage tailored for rental use

• Liability protection for guest-related incidents

• Loss of rental income coverage

• Contents coverage for furnished properties

• Optional endorsements depending on rental activity

🏡 WHO NEEDS SHORT-TERM RENTAL INSURANCE?

• Airbnb hosts

• VRBO property owners

• Vacation rental investors

• Seasonal rental owners

• Homeowners renting part-time

📍 FLORIDA-SPECIFIC EXPOSURES

Florida short-term rental properties face additional risks due to location and climate:

• Hurricanes and windstorm exposure

• Flooding (not covered under standard policies)

• High rebuild costs

• Increased liability due to frequent occupancy

  Many property owners also choose to add flood insurance and personal umbrella coverage for additional protection.

Coverage options vary depending on the carrier and eligibility requirements, making it important to properly evaluate each property and rental activity.

🧠 UNDERWRITING CONSIDERATIONS

👉 Insurance carriers evaluate short-term rental risks based on several factors:

• Frequency of rental activity

• Property condition and updates

• Safety features (pool, security, maintenance)

• Location and catastrophe exposure

• Prior claims history

  Properly presenting these details helps ensure accurate underwriting and appropriate coverage placement.

Implementing proper risk management practices, including property maintenance, guest screening, and safety measures, can also help reduce exposure and improve underwriting outcomes.

🏆 WHY CHOOSE ATLANTIS INSURANCE INC

✔ Serving Florida property owners since 2009
✔ Independent agency (access to multiple carriers)
✔ Experience with short-term rental risks
✔ Customized coverage solutions
✔ Knowledge of Florida underwriting requirements

et a personalized short-term rental insurance quote in Florida. We help structure coverage that aligns with your property, rental activity, and risk profile.

👉 Call
👉 Request Quote

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.