Short-term rentals
Short-term rental insurance in Florida
Short-term rental insurance is a property and liability policy for homes rented to guests for short stays. Unlike homeowners (owner-occupied) or a standard landlord DP-3 (long-term tenants), it expects transient guests, furnishings and booking income. Nymble places it for homes, condos and multi-unit properties.
Homeowners vs. landlord vs. STR
Homeowners (HO-3)
For homes you live in; often limits renting to guests.
Landlord (DP-3)
For long-term tenants; may not fit short stays.
STR policy
Written for guests, furnishings and booking income.
Good to know
- Disclose nights rented and max guests
- List pools, hot tubs, docks and water toys
- Check HOA or association rental rules
- Florida licenses vacation rentals, and many counties and cities require registration and tourist taxes
Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.
Common questions
Is a DP-3 enough for my Airbnb?
Sometimes with endorsements; often not.
Just bought a property to rent?
Share the closing date and plans.