Short Term Rental Property Insurance

Home Share Insurance is designed for homeowners who rent out all or part of their home through short-term rental platforms such as Airbnb, helping protect your property, liability exposure, and financial security while hosting paying guests.

What It Covers

This insurance provides coverage for homes used in short-term rental or home-sharing arrangements, addressing risks that are typically excluded from standard home insurance policies.

Why It Matters

Short-term rentals introduce additional risks due to frequent guest turnover and unsupervised occupancy. Without proper coverage, homeowners may be personally responsible for property damage, liability claims, or denied claims under a standard home insurance policy.

Key Coverages

/01

Property Damage Coverage

Helps protect your home and contents against damage caused by insured perils while being used for short-term rentals. 

/02

Host Liability Coverage

Provides financial protection if a guest is injured or their property is damaged while staying in your home and you are held legally responsible.

/03

Loss of Rental Income Coverage

Helps replace lost short-term rental income if your property becomes temporarily uninhabitable due to a covered loss.
/04

Supplementary Coverage Options

Allows for additional protection to complement coverage offered by home-sharing platforms, helping close potential coverage gaps.

/05

Water Insurance Coverage

Provides coverage for water damage, including flooding or leaks that may occur while your property is being rented out. This helps protect against unexpected water-related issues that could disrupt your rental operations or cause significant damage.

Why Choose Oracle RMS

Oracle RMS understands the evolving risks of home sharing and works with trusted insurance partners to create tailored coverage solutions for hosts. Our licensed brokers help ensure your policy aligns with your rental activity—so you can host with confidence and peace of mind.

Protect your home while you share it. Contact Oracle RMS today or fill out our quote form to receive a customized home share insurance quote.

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