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(636) 978-1595 O'Fallon, MO

Best Short Term Rental Insurance in O'Fallon, St Charles, MO.

Short-Term Rental Insurance – Protect Your Investment and Income

If you’re renting your property through platforms like Airbnb, VRBO, or other short-term rental services, standard homeowners insurance may not provide the protection you need. Short-Term Rental Insurance from Jeff Hug - Insurance Broker is specifically designed to protect your property, income, and liability risks when hosting guests for short stays.

Why Do You Need Short-Term Rental Insurance?

Hosting short-term rentals comes with unique risks that traditional homeowners insurance may not cover. Short-Term Rental Insurance helps safeguard you from:

  • Property Damage: Protects against damage caused by guests, accidental fires, or natural disasters.
  • Liability Claims: Provides financial protection if a guest is injured on your property.
  • Loss of Income: Covers lost rental income if your property becomes uninhabitable due to a covered event.
  • Theft or Vandalism: Covers loss of personal belongings or intentional damage caused by guests.

What Does Short-Term Rental Insurance Cover?

Property Protection

Covers damage to your rental property, furniture, and appliances caused by guests or unforeseen events.

Liability Coverage

Protects you from lawsuits if a guest is injured on your property or you’re found responsible for property damage.

Loss of Rental Income

Reimburses lost income if your property can’t be rented due to covered damages or repairs.

Who Needs Short-Term Rental Insurance?

If you rent out your property for short stays, you need specialized coverage. This includes:

  • Homeowners renting through Airbnb, VRBO, or similar platforms
  • Owners of vacation properties or second homes
  • Landlords offering short-term rental agreements
  • Investors managing multiple short-term rental properties

Why Choose Jeff Hug - Insurance Broker?

  • Specialized Coverage: Designed specifically for short-term rental hosts.
  • Affordable Plans: Flexible policies with competitive rates to fit your budget.
  • Comprehensive Protection: Covers property damage, liability, loss of income, and theft.
  • Trusted Support: Our agents provide guidance to ensure your rental business is fully protected.

Frequently Asked Questions

Q: Doesn’t my homeowners insurance cover short-term rentals?

A: Most homeowners policies exclude or limit coverage for short-term rentals. Specialized Short-Term Rental Insurance provides full protection.

Q: What happens if a guest damages my property?

A: Short-Term Rental Insurance can cover the cost to repair or replace damaged items or property.

Q: Is liability coverage included?

A: Yes, liability coverage protects you if a guest is injured on your property or you’re sued for property damage.

Protect Your Rental Property and Income

Short-term rentals can be a great source of income, but they come with unique risks. With Short-Term Rental Insurance from Jeff Hug - Insurance Broker, you can host guests confidently, knowing your property and finances are secure. Call us at 636-978-1595 or request a free quote online today!

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