Short-term rental properties like Airbnb and VRBO listings require specialized insurance coverage that standard homeowners or landlord policies don't provide. These commercial activities create unique liability exposures and property risks that require specific protection for Harrisburg area property owners.

Standard homeowners insurance typically excludes commercial activities like short-term rentals, potentially leaving property owners without coverage when claims occur. Guests staying in short-term rentals can cause property damage or get injured, creating liability and property exposures that specialized coverage addresses.

Short-term rental insurance covers property damage caused by guests, liability claims from guest injuries, and loss of rental income when covered damage makes the property temporarily unavailable for booking. The coverage extends to business personal property like furniture and appliances provided for guest use.

Pennsylvania short-term rental markets in areas like Harrisburg create opportunities for property owners but also require proper insurance protection. We help property owners understand the insurance requirements for short-term rental activities and find coverage that protects their investment and rental income.