Homestay Insurance

Homestay Insurance is a business policy. Since renting out your property on a short-term basis is typically considered a business transaction, you need business insurance. Many Homestay hosts have more questions than answers after they contact a local insurance agent. This is because most local agents do not specialize in niche insurance or niche business insurance.

Interior of a beach themed Vrbo condo

Commercial General Liability Is Included In Homestay Insurance

When a guest rents your property, they assume they are renting a safe place, not different than a hotel really. What if the cleaning crew did not properly clean the bath tub and soap scum was present? If a renter slipped and fell in the shower on that soap scum, the Homestay owner could ultimately be found liable. For this incident, you would want to have commercial general liability insurance. Accidents happen and Homestay insurance can protect you for up to $1,000,000. A standard homeowner’s insurance policy could rightfully deny any claim involved with Homestay.

Homestay Insurance Protects You From The Unforeseen

When renting out your home on Homestay, you’re essentially placing your trust in a complete and total stranger. While most rentals do go smoothly, the unfortunate truth is that problems do happen and if you’re in the rental business you’ll likely run into one eventually.

The real question is, will you be prepared for it? Whether it’s accidental property damage or a lawsuit, these types of issues can set you back tens of thousands of dollars – even if you only rent out your property once or twice a year. Don’t take chances – sign up for Proper Insurance® and protect your property and bank account today.

Homestay Insurance May Be Legally Required In Your State

If you’re renting out your property on HomeStay, then having adequate insurance for HomeStay is important. And it’s not only important – it might be a legal requirement. Over the last few years, new local and state regulations have been adopted that are beginning to require property owners to main commercial liability insurance if they rent out their home to guests. This is because rental situations are very much like running a hotel business. Make sure to check local law and get yourself insured!


Because we only service the vacation rental industry, our short-term rental insurance knowledge base is unrivaled. We are proud of our customer feedback and our outstanding agents who make it all possible.

Payton Voss

“I called several companies to get a policy. All required multiple days to offer a solid quote. Several came back and couldn’t meet the limits requirement. Proper Insurance came through like rock stars! Same day quote. Same day binding (so we could meet our closing date) AND BY FAR best pricing and coverage offered.”

Nicholas Massey, Director of Sales

“Proper Insurance is who I trust after 10 years of renting. They have seen me (owner/manager) and my clients, whom I rent for, through good and bad. They are THE insurance for vacation rentals covering not just the home but $1M in liability (a huge issue for renting) also lost income due to damage to the home if issues make it unrentable. AND MOST IMPORTANTLY – they deliver on their promise, I have tested it.”

Ian Smith

“Coverage for our mulit-layer Airbnb was proving VERY difficult to find. The major carriers were inconsistent about their understanding of the coverage, and few were misleading until we got on the phone with their underwriting departments. Ian Smith understood our situation immediately and comforted us about Proper being built specifically for these types of short-term rental situations.”

Bob Bradley

“Bob Bradley was very helpful and extremely responsive via email, phone and text in helping me identify the right coverage for my short-term rental in NC. He carefully reviewed all the options available with me and helped me choose the best policy that would suit my needs. I highly recommend anyone looking for STR insurance to go with Proper.”

Ashley Haley

“Ashley from Proper Insurance is the best insurance agent I have ever worked with. She is extremely responsive, reliable and efficient. She also goes the extra mile to structure my coverage for the best price possible. As a long time realtor and an owner of multiple short term rental properties, I highly recommend Ashley and Proper Insurance for all your rental property needs. The best of the best.”

What You Need To Know About Homestay Insurance

Homestay Insurance is intended to provide hosts with a peace of mind however many find the process complicated and confusing. Proper Insurance is here to guide you through the process of finding the right insurance coverage for your Homestay property. Homestay is a short-term vacation rental platform that offers single rooms in a family home. It focuses on providing affordable accommodations for professionals, international students, and travelers who desire more interaction from their hosts than just handing over the keys. Homestay hosts offer real connections with their tenants.

Proper Insurance provides comprehensive coverage for Homestay insurance. We cater to the short-term rental market and understand the demands of the industry. Unlike supplemental insurance policies, we are designed to replace your existing insurance with specialty commercial insurance which includes coverage for your home.

Homestay Insurance: How Does It Work?

Most people who host rooms on a short-term rental platform, like Homestay, use their rental space for multiple purposes. They allow professionals or travelers to rent the room for a quick stay. They allow international students to rent the room for an extended stay for the semester. They may allow friends and family to use the room free of charge. They may use the space for their personal use or the room remains empty for an extended time.

Don’t be left vulnerable. Proper provides Homestay insurance which replaces your existing insurance and allows you to tailor design coverage to meet your specific needs. We take components of commercial, tenant, personal, and unoccupied policies and add coverage for your building, contents, income, and liability. Our goal is to keep you, your property, and your business fully covered all the time.

Why You Need Homestay Insurance

Many host guarantees on short-term rental platforms claim to offer coverage up to $1,000,000. It is easy to see that large figure and feel a false sense of security. But is that coverage as good as it sounds? There is only so much one can do to prevent property damage or injury. Accidents happen. Without adequate coverage, you, your home, and your business are left vulnerable to the expenses of property damage, liability claims, and lawsuits.

For instance, when you have a long-term tenant who signs a lease agreement, are you liable when they slip on a freshly mopped floor. No, it is their responsibility to maintain a clean and safe dwelling. But if your short-term tenant slips and falls on wet tile, you are surely responsible. That’s because vacation rentals operate as a small business. As a vacation rental host, you must seek coverage uniquely designed to meet your needs. Proper Insurance provides you the opportunity to personalize your Homestay insurance coverage. Our policies are the most comprehensive short-term rental plans on the market. Don’t hesitate to give us a call for a 5-minute quote. Our knowledgeable staff is well versed in Homestay insurance and can guide you through the process of securing coverage.

The Best Homestay Insurance

Homestay hosts are unique in their desire to be involved with their guests. You want to host your tenants, show them a good time, and invite them into your circle. But in doing so, you increase the risk of property damage and liability claims. You are placing your trust in a complete and total stranger. Don’t let the risks slow you down. Proper Insurance has the best Homestay insurance which will put your mind at ease.

Make smart business decisions and stay ahead of the trend. Call Proper Insurance today to secure the best HomeStay insurance for your short-term rental property.

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.


A child kayaks in the water outside of an Airbnb with his dog in tow.
April 22nd, 2024

Home Insurance for Airbnb Owners: Protection beyond the beam and brick

A man standing in front of Airbnb with tornado of papers
March 29th, 2024

Creating the Ultimate Insurance Stack for Your Short-Term Rental Business

Illustration of friends entering a short-term vacation rental home
February 15th, 2024

Offering Guests a Direct Booking Option: Tips for Increasing Your Property’s Exposure

illustration of short-term rental conference
February 8th, 2024

The Top Short-Term Rental Conferences in 2024 for Owners, Hosts and Property Managers