Basics
Does Homeowners Insurance Cover Airbnb in Florida?
Often not, or only in a limited way. Many homeowners policies exclude or limit business activity and renting to paying guests. If you host, disclose it and get a policy written for short-term rental use.
Why
Homeowners forms are built for owner-occupied homes. Guests and booking income change the risk.
What to do
Tell your agent how many nights you rent and ask for an STR policy or endorsement.
Related
See short-term rental insurance.
Ready to talk about your vacation rental?
Nymble Insurance LLC will review your details and explain options in plain language. Approval and price depend on underwriting.