Compare Miami Beach Short-Term Rental Insurance Quotes — Free
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How it works
1 Tell us what to insure
2 We shop 19 carriers
3 You pick the best rate
Platform host guarantees are limited and slow, and they do not replace a real policy. A dedicated short-term rental policy responds to guest liability and damage on your terms, and we size it to how often you rent and at what rate.
Many Miami Beach condo associations and the city's registration rules impose requirements on short-term rentals. We make sure your coverage satisfies your association and lender while protecting your income from a covered loss.
We serve clients throughout Miami Beach and Miami-Dade County, from South Beach condos to single-family rentals.
What Does Short-Term Rental Insurance Cover?
- Dwelling Coverage — Protects the structure (walls, roof, fixtures) on an STR-rated dwelling form that contemplates transient occupancy rather than a standard HO-3.
- Premises & Host Liability — Covers guest injuries on-property and off-property liability beyond what Airbnb’s or Vrbo’s platform host protection provides.
- Lost Rental Income — Pays the income stream you would have earned if a covered loss makes the property unbookable while repairs are completed.
- Host Contents & Theft — Covers furniture, linens, electronics, and amenities you supply for guests, including theft scenarios where platform coverage will not respond.