Short-term rental insurance for your furnished property
A furnished property rented for short stays has guest turnover, owner-provided contents, cleaning, bookings, and a different liability exposure from a long-term lease. The policy needs to know how often people stay, who manages the property, and what happens there.
A person can review the property use, records, and coverage questions with you.
Independent agency based in Twinsburg, Ohio, and part of Kaufman Insurance Group.
Access to multiple A-rated carriers, so we can compare available terms across different buildings.
Career insurance professionals who between them have written more than 10,000 policies.
Commercial property is the work this team has chosen to specialize in.
You’ll speak with an agent who can keep the building details, lease questions, and coverage terms in the same conversation.
Choose a property guide
Describe the actual rental use
Tell us whether the property is rented by the night, week, or month, how many guests it holds, whether an owner lives there, and who handles cleaning and repairs. A furnished apartment, a whole house, and a property with events don’t present the same account.
I would rather see the listing description and the real calendar pattern than call every short stay a seasonal rental.
The building and the contents split
The building may include the structure, fixed appliances, flooring, and fixtures. Contents can include furniture, linens, kitchen supplies, electronics, and owner-provided equipment. Guest property is a separate question.
Make a room-by-room list when the property is furnished. A landlord’s policy doesn’t automatically cover the items supplied for guests.
Guest liability needs a direct review
Guest injuries, property damage, hot tubs, pools, fireplaces, stairs, balconies, and outdoor activities can affect liability. A booking platform’s protection doesn’t necessarily replace the policy you own.
Tell us about cameras, locks, smoke alarms, fire extinguishers, and any local rental requirements. The condition of the property matters as much as the booking frequency.
Income depends on bookings
Business income or rental income may address eligible lost income after covered damage, but the limit should follow booking records, seasonality, cleaning costs, management fees, and the time needed to repair the property.
A month of lost bookings during the busy season can be different from a quiet month. Bring the calendar or payout history if you have it.
What changes the short-term rental price
Location, construction, roof age, guest count, amenities, occupancy, property value, protection, claims, booking pattern, limits, and deductibles affect the quote. A hot tub, pool, fireplace, or steep exterior stair can change the liability review before the booking history does.
The property may look like a home, but the short-stay use changes the underwriting questions.
Small details can change a claim
Sewer and drain backup is excluded on most forms unless it is endorsed back on. Equipment breakdown from heat, electrical, or mechanical failure can also sit outside the property form. A failed water heater during a booked weekend creates both property and income questions.
Write down who owns the appliances, who handles emergency repairs, and what the lease or management agreement says.
Bring the rental records
Send the address, use, guest capacity, booking pattern, property value, contents list, roof age, safety equipment, amenities, manager details, claims, and lender requirements. Tell us if the property is vacant between bookings or under renovation.
The quote can start with the records you already have. We can fill in the policy details by phone.
What isn't covered?
A standard landlord or homeowners form may not fit short stays. Flood usually needs separate coverage. Guest property, platform protections, equipment failure, sewer backup, wear, and business income can have separate limits or exclusions. For a quote, start here or call 330-486-8404.
Start with your building details
Send the address, property type, occupancy, and approximate value. If the roof age or loss history is handy, add that too. We can sort out the missing pieces by phone and show what each quote pays for.
An agent can review the use, values, and records that affect the quote.
Owner questions
Does regular landlord insurance cover short-term rentals?
It may not fit frequent furnished stays. Tell the agent how the property is rented, who manages it, and what amenities it has.
Does short-term rental insurance cover guest property?
Don’t assume it does. Guest belongings and owner-provided contents are separate coverage questions.
What affects short-term rental insurance cost?
Use, location, construction, roof, guest capacity, amenities, property value, protection, claims, booking pattern, limits, and deductibles affect the quote.
Send the address and we'll take it from there.
You’ll get a plain review of what the property does and what the policy needs to address.
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Last reviewed: October 2026