Home Sharing Insurance, Property and Liability

Is home sharing covered under a homeowner’s or landlord’s insurance policy?

A big part of our job at Proper Insurance is educating people within the short-term rental industry. We hear just about everything from our prospects before they become customers. It’s our job to research and present the information. Helping our prospects make an educated decision on if they want to purchase our policy and become customers.

A living room couch

Home Sharing Insurance

Home sharing and homeowner’s insurance come up all the time. The #1 statement we hear is, “My agent told me I was covered.” It’s mind-blowing! Mind you; this is coming from insurance agents who represent all the top carriers (you know who they are).

Side note: your agent does not pay your claim.

We wanted to have some fun with this post and do the “Google Test.” So we searched “Home Sharing Insurance,” and guess what was #1. Is Home Sharing Covered by Homeowner’s Insurance? The great thing about this particular “Google Test” is that it made for an easy post!

Talking point: This is the first major insurance carrier we have seen publish a major article on the issue. I give credit to at least one coming out of the closet.

Interested in learning more? We have an in-depth page that explains everything you need to know about homesharing insurance.

About the Author

Proper Insurance

Proper Insurance is the nation's leading short-term vacation rental insurance provider, with the most comprehensive policy on the market. We protect homes in all 50 states with unmatched coverage for your property, revenue, and business liability, customized to include guest-caused theft/damage, liquor liability, amenity liability (bikes, kayaks, hot tub, etc.), bed bugs, fleas, squatters, and more.


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