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Home-sharing endorsements and host policies, beyond the platform’s guarantee.
Renting your home, a room or a condo to short-term guests is business use, and standard home and condo policies often exclude it or limit coverage. Platforms offer host protection programs, but they have conditions, exclusions and limits and are not a substitute for your own policy.
Depending on how often you host, you may need a home-sharing endorsement on your existing policy or a commercial short-term rental policy. Many cities and condo corporations also have their own rules.
Or call +1 877 610 6554 · Monday to Friday, 9 a.m. to 6 p.m. ET
Who it’s for
Coverage
Extends a home or condo policy to occasional short-term guests.
For dedicated rental properties hosted often.
Injury and damage claims involving guests.
Lost bookings after an insured loss, on some policies.
Before you buy
A short-term rental specialist checks what your home or condo policy excludes, what the platform's host program really covers, and which insurers write home-sharing endorsements or commercial short-term rental policies.
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