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Airbnb Insurance Massachusetts

Airbnb Insurance in Massachusetts

What is Airbnb insurance? 

Listing properties via an online rental platform can be a viable side hustle or full-time job, but it’s important for hosts to make sure they’re protected from what can go wrong. A single accident could cost much more than what hosts make. To help protect against the costs resulting from accidents, hosts located in Massachusetts can get Airbnb insurance.

Airbnb insurance policies are tailored for renting space via short-term rental platforms, like Airbnb and Vrbo. Policies usually can offer robust and customizable coverage options.

Who in Massachusetts needs to carry Airbnb host insurance? 

Massachusetts residents listing their properties on Airbnb or Vrbo generally should have Airbnb host insurance. This includes hosts renting rooms, apartments, single-family houses and other spaces. Moreover, the advice broadly applies regardless of whether a primary or secondary residence is being listed.

As more and more people list spaces on these platforms, Airbnb host policies are being purchased by a variety of property wonders. A few examples of people getting these policies include hosts that list a:

  • Seasonal cottage during peak season
  • Primary residence during busy events
  • In-law apartment on their primary residence
  • Spare room in their primary residence
  • Off-grid property that’s periodically rented
  • Investment property that’s regularly booked

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Airbnb Insurance Massachusetts

What insurance coverages should Airbnb hosts look for?

Hosts might want several protections that Airbnb policies offer. Some common ones are:

  • Dwelling Coverage: Might cover damages sustained by the rented space.
  • Personal Property Coverage: Might cover damages to or theft of personal belongings.
  • Liability Coverage: Might cover accidents that result in serious guest injuries.

Other protections are often also available, either as standard features or optional add-ons.

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Do Airbnb and Vrbo give hosts any insurance protection? 

Both Airbnb and Vrbo normally provide hosts with certain property and liability projections.

Both platforms generally offer a $1 million liability insurance policy, either free or for a nominal fee. This coverage could serve as primary or secondary liability protection, depending on whether other liability coverage is in place.

Both platforms also generally cover damage to the dwelling and belongings, again either for free or for a nominal fee. This damage coverage might not be sufficient in some situations, though

In most cases, hosts are encouraged to consider additional insurance protections. If there’s a life-altering injury or death, the resulting lawsuits could exceed $1 million in attorney fees, court fees and settlements. Broader damage coverage, which covers more perils than the platforms’ policies, may also be wise to get.

Hosts who want help assessing their need for additional protections can talk with an insurance agent who specializes in Airbnb host insurance. A specialized agent will be familiar with the policies that these platforms offer, and how hosts might want to supplement them with additional coverages.

Do hosts need insurance for a single Airbnb rental?

It takes just one accident to result in major costs, and an accident can occur during any rental. Yes, hosts generally should have insurance even for their first time listing a property on Airbnb or Vrbo. A knowledgeable agent can help explore affordable policy options for initial or periodic rentals.

Airbnb Insurance Massachusetts

How much does an Airbnb host insurance policy cost?

Purchasing an Airbnb host insurance policy can be surprisingly affordable. While rates vary depending on the specifics of a property, these policies tend to be much more affordable than most standard landlord policies.

Working with an independent insurance agent, who can check policies from among several different insurers, is an easy way to find out how much insuring a particular property will cost.

How can Massachusetts hosts find Airbnb insurance? 

For help insuring a Massachusetts Airbnb or Vrbo property, reach out to the independent insurance agents at Garrity Insurance. Our agents will help you find Airbnb insurance that’ll keep your property and you protected well.

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