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ResourcesseparatorService Reviews for Real Estate Investors

Best Airbnb Host Insurance

Key takeaways

Best Airbnb Host Insurance

Airbnb insurance is specifically designed for vacation rental hosts. It covers risks related to renting out your property on any platform, such as liability for accidents or injuries that occur on the property, damage to the property, and lost income if you cannot rent the property because of a covered event. Airbnb insurance shields hosts from liability and protects their investment. 

Selecting the right company for Airbnb insurance is important because it ensures that you have the coverage you need in the event of a claim and that the claims process is straightforward and efficient. Hosts should look for an insurance company that offers coverage for the specific risks they are concerned about, has an excellent reputation and track record of customer satisfaction, and has a straightforward and efficient claims process. It is also important to consider the cost of the insurance policy to ensure that it fits within your budget.

The best Airbnb insurance company is Obie because it offers customizable insurance plans that are simple, affordable, and transparent to get, covering a variety of dwellings and portfolios of all sizes. Obie also offers competitive pricing and good customer service, as well as a risk map and risk review to help landlords and investors prepare for potential risks near their properties. Obie insurance policies include liability insurance and comprehensive property coverage, with optional coverage available for lost income, personal property, personal injury, and other structures. 

Top Airbnb Insurance Companies for Hosts

  • Obie: Best Overall
  • Proper: Best for Lost Income Coverage
  • Allstate: Best for Custom Coverage
  • CBIZ: Best for a Small Budget
  • Farmers: Best for Coverage Packages
  • Safely: Best for Low Occupancy

The 6 best insurance companies for Airbnb hosts are:

Obie Insurance: Best Overall

Obie is a company that offers insurance for landlords and real estate investors. It has insured over $4 billion in property and is available in all 50 states. Obie offers customizable insurance plans that are simple, affordable, and easy to understand. It offers instant quotes online and streamlines getting insurance for rental properties, including single-family homes, multifamily buildings, apartments, and condo units. Obie also covers properties that are vacant, being used as short-term rentals, or being renovated. The company aims to provide peace of mind and financial security to landlords and investors.

Obie Insurance Cost

It is not possible to provide an accurate estimate of the cost of an Obie insurance policy without more information about the specific property being insured. The cost of an Obie insurance policy will depend on various factors such as the location, size, and age of the property, as well as any additional coverage options that are selected and can range from $1,000 to $4,000. 

Obie Insurance Coverage

Obie insurance offers landlord insurance policies designed specifically for rental property investors and landlords. These policies can cover a variety of dwellings and portfolios of all sizes, including single-family rentals, multi-family homes, duplexes, condos, and apartment buildings with over 5 units.

The specific coverage and limits included in an Obie insurance policy will depend on the policy terms and conditions, which can be customized to meet the specific needs of the policyholder.

Obie insurance policies include liability insurance and comprehensive property coverage. Optional coverage may be available for lost income, personal property, personal injury, and other structures like sheds, garages, and pools. 

Pros and Cons of Obie Insurance

Some pros of Obie insurance include:

  • Coverage available in all 50 states: Obie's insurance is available in all 50 states, making it a good option for landlords and investors with properties in different locations.
  • Easy and quick quote process: Obie's website and online quote process are easy to use and the questionnaire to get a quote only takes 2 minutes to complete. You can also get an instant estimate by inputting your property address.
  • Customized coverage: Obie offers step-by-step coverage customization to ensure you have the protection you need.
  • Competitive pricing: Obie's data-driven approach allows them to offer competitive pricing, which can help you save on insurance premiums.
  • Risk map and risk review: Obie offers a risk map and risk review to help you visualize and prepare for potential risks near your property, such as flooding, tornadoes, earthquakes, and hurricanes.
  • Good customer service: Obie offers several ways for customers to get in touch, including an online Help Center, email, phone, and social media. They also have a high level of customer service, allowing you to ask as many questions as you need before purchasing a policy.

Some cons of Obie insurance include:

  • Limited information provided online: Some users may find that the information provided on Obie's website is limited, making it difficult to fully understand the coverage options and costs.
  • Limited availability: Obie insurance may not be available in all areas, so it may not be an option for everyone.

It is important to review the terms and conditions of an Obie insurance policy to understand the specific protections that are included and any exclusions or limitations that may apply.

Obie Insurance Reviews

Users of Obie insurance appreciate the company's transparency, affordable rates, and easy-to-use website. They also appreciate the ability to customize their coverage and the options for instant quotes and instant estimates. Some users have also noted the convenience of accessing their insurance documents through a customer dashboard and the use of real-time pricing to offer competitive rates. However, it is not clear from these limited reviews what specific drawbacks or concerns users may have about Obie insurance.

How to Start with Obie Insurance

To get started with Obie insurance, you can follow these steps:

  • Visit the Obie website and navigate to the insurance quote page.
  • Enter your property information, including the address, type of property, and occupancy status.
  • Review the insurance options available and select the coverage that meets your needs.
  • Review and confirm your quote and coverage details.
  • Enter your personal and contact information to complete the application process.
  • Pay for your policy and receive your insurance documents.

It is important to review the terms and conditions of the policy to understand the specific protections that are included and any exclusions or limitations that may apply. You can also contact Obie directly to ask questions you may have about the insurance options or the application process.

If you're interested in obtaining insurance for your rental property, consider getting a quote from Obie. Simply visit the company's website, input your property information, and receive an instant estimate. If you have questions or would like to customize your coverage, you can contact Obie's customer service team for help. Protect your investment and get peace of mind with Obie insurance.

Proper Insurance: Best for Lost Income Coverage

Proper Insurance offers comprehensive insurance coverage specifically designed for vacation rental properties. It is endorsed by Vrbo and underwritten by Lloyd's of London, and has written over 100,000 policies in all 50 states. The coverage includes a commercial package policy with building and contents coverage, liability coverage up to $1,000,000 per occurrence, and business income coverage with no time limit. It also includes extended liability coverage for amenities such as pools and hot tubs, and no limit on damage caused by renters. 

Proper designed the policy to fully replace a homeowner or landlord insurance policy and covers gaps in coverage caused by the multi-use of vacation rental properties. Proper's policy distinguishes between personal and commercial liability, with commercial liability being necessary for business transactions such as short-term vacation rentals. Homeowners and landlord insurance policies exclude commercial activity, making them insufficient for protecting against the risks of vacation rentals. Proper's policy also includes flood insurance, which is not typically included in standard homeowners policies.

Proper Insurance Cost

The average cost of Proper Insurance's short-term rental coverage ranges from $1,500 to $3,500. This cost may vary depending on the specifics of your property and hosting business, such as the location and value of the property, the number of guests you host, and the amount of rental income you want to insure. To get a more accurate quote for your specific needs, you can request a quote on Proper Insurance's website or call the company to speak with an agent. Keep in mind that certain factors may also influence the cost of the policy such as the level of coverage you choose and any discounts or promotions that may be available.

Proper Insurance Coverage

​​Proper Insurance includes the following protections in its short-term rental insurance policies:

  • Sinkhole collapse coverage: Proper Insurance covers sinkhole collapse, which is damage caused by the sudden collapse of the ground surface because of underground erosion.
  • No time limit on loss of rental income: Proper Insurance does not place a time limit on loss of rental income, meaning that you will be covered for lost rental income for as long as it takes to repair or rebuild your property.
  • Ordinance coverage of $10,000 to $50,000: Proper Insurance includes ordinance coverage in its policies, which covers the cost of complying with building codes and ordinances that may be required for repair or reconstruction of your property. The amount of ordinance coverage included in the policy ranges from $10,000 to $50,000.

It's important to carefully review the terms and conditions of your policy to understand the specific protections that are included and any exclusions or limitations that may apply.

Pros and Cons of Proper Insurance

The pros of Proper Insurance include:

  • Lost rental income insured: Proper Insurance covers lost rental income if your property cannot be rented out.
  • No occupancy restrictions: Proper Insurance does not have occupancy restrictions, meaning that you can rent out your property as often as you like.
  • Exclusively endorsed by Vrbo: Vrbo, a popular vacation rental platform has endorsed Proper Insurance.
  • Premises coverage extends beyond the home: Proper Insurance's coverage extends beyond the home, meaning that it also covers other structures on the property such as sheds or garages.

The cons of Proper Insurance include:

  • Price increases if the host lives on the property: If you live on the property that you are renting out, the price of your insurance policy may increase.
  • Liability insurance bundled with commercial insurance: Proper Insurance includes liability insurance with its commercial insurance policies.
  • No on-demand coverage: Proper Insurance does not offer on-demand coverage, meaning that you cannot purchase a policy on a per-trip basis.

Proper Insurance Reviews

Some reviewers have had positive experiences with the company, citing excellent customer service, helpful agents, and fair claims process. Other reviewers have had negative experiences, citing high costs, poor communication, and unprofessional behavior by agents. It is important to consider both positive and negative reviews when deciding whether to purchase insurance from a particular company.

How to Start with Proper Insurance

To purchase a policy from Proper Insurance, you can follow these steps:

  • Visit Proper Insurance's website: Go to Proper Insurance's website and browse their insurance options.
  • Request a quote: Click on the "Get a Quote" button on the website to request a quote for a policy. You will be prompted to provide some basic information about your property and your hosting business.
  • Review your quote: Once you have received your quote, review the details of the policy to ensure that it meets your needs.
  • Purchase the policy: If you are satisfied with the quote and the terms of the policy, you can purchase the policy online through Proper Insurance's website. Alternatively, you can call Proper Insurance to purchase a policy over the phone.
  • Receive your policy documents: Once your policy has been purchased, you will receive the policy documents via email or mail.

Protect your vacation rental property and income with Proper Insurance. With comprehensive coverage and endorsements from Vrbo and underwriting by Lloyd's of London, Proper Insurance offers peace of mind for vacation rental property owners. The policy includes building and contents coverage, liability coverage up to $1,000,000 per occurrence, business income coverage with no time limit, and extended liability coverage for amenities such as pools and hot tubs. 

Request a quote on Proper Insurance's website or call to speak with an agent and get the protection you need for your vacation rental property. Don't let the risks of vacation rentals go uninsured - choose Proper Insurance.

Allstate Insurance: Best for Custom Coverage

Allstate offers coverage for short-term rentals through its Host Advantage program. The coverage can be added to an existing Allstate homeowner policy and includes protection for dwellings, other structures on the property, vandalism, burglary, fair rental income, building codes, and liability. The policy also includes premises medical protection, which covers medical bills if someone is injured on the property, and the option to add flood insurance and umbrella coverage. 

Allstate is known for its large network of agents and easy claims process, but has higher rates compared to other insurers and only sells insurance in six-month terms. The company has an A+ rating from AM Best and an A- from S&P Global. Coverage can be obtained online or through a live agent, and Allstate has 24/7 phone support in all 50 states. 

Allstate Insurance Cost

The cost of Allstate insurance for vacation rental hosts will vary depending on various factors such as the location, size, and age of the home, as well as the amount of guest medical or family liability coverage desired. Allstate offers a short-term rental endorsement for around $50 for limited coverage up to $10,000 for personal belongings, or as low as $4 per month if added to an Allstate auto policy. It is recommended to contact Allstate or request a quote online to get a more accurate estimate of the cost of insurance for your specific needs.

Allstate Insurance Coverage

Allstate landlord insurance policies include coverage for dwellings, other structures on the property, vandalism, burglary, fair rental income, building codes, and liability. Hosts can also get premises medical protection that can help cover medical bills if someone is injured on their property. For even more protection against financial loss, you can add flood insurance and umbrella coverage. The specific coverage and limits included in an Allstate policy will depend on the policy terms and conditions, which can be customized to meet the specific needs of the policyholder. It is important to carefully review the terms and conditions of your policy to understand the specific protections that are included and any exclusions or limitations that may apply.

Pros and Cons of Allstate Insurance

The pros of Allstate Insurance for vacation rental hosts include:

  • Large network of agents: Allstate has a large network of agents that can provide a more personal insurance experience for customers.
  • Policy bundling and other discounts: Allstate offers policy bundling and other discounts to help customers save on their insurance costs.
  • Easy to file claims: Allstate has an easy online and mobile experience for filing claims, making it convenient for vacation rental hosts.
  • Coverage in all 50 states: Allstate has coverage in all 50 states, making it a good option for hosts who rent out their properties in different locations.

The cons of Allstate Insurance for vacation rental hosts include:

  • High rates compared with other insurers: Allstate's rates may be higher compared with other insurance companies, making it more expensive for hosts.
  • Insurance only sold in six-month terms: Allstate's insurance policies are only sold in six-month terms, which may not be suitable for all hosts.
  • Customer satisfaction ratings are average compared with other companies: Allstate has average customer satisfaction ratings compared with other insurance companies, which may be a concern for some hosts.

Allstate Insurance Reviews

It appears that some people have had negative experiences with Allstate Insurance in terms of customer service, communication, and claim handling. Some have reported that their premiums increased substantially over time, that certain types of damage were not covered by their policies, and that Allstate employees were not helpful or transparent when it came to resolving issues or processing claims. 

Others have reported that Allstate denied their claims without conducting a proper inspection or providing adequate documentation, or that they encountered difficulties when attempting to cancel their policies. Some people have also mentioned that Allstate's mobile app and online experience were positive, but that the company's rates were relatively high compared to other insurers.

It appears that the reviews provided are mostly negative experiences with Allstate insurance. It is worth noting that not all customers will have the same experience and it is possible that some customers may have had positive experiences with the company. It is always a good idea to carefully research and compare insurance options before making a decision.

How to Start with Allstate Insurance

To get started with Allstate insurance as a vacation rental host, you can follow these steps:

  • Visit the Allstate website and select the "Home" tab.
  • Click on the "Renters and Landlord Insurance" tab.
  • Click on the "Vacation Home Rentals" tab.
  • Click on the "Get a Quote" button.
  • Enter your zip code and select your property type.
  • Follow the prompts to enter your contact and property information.
  • Select the coverage options that you want, including short-term rental coverage.
  • Review your quote and complete the application process if you wish to proceed with Allstate insurance.

Alternatively, you can also speak with an Allstate agent or visit an Allstate office in your area to discuss your insurance needs and get a quote.

If you are a vacation rental host looking for insurance coverage, consider Allstate's Host Advantage program. This policy can be added to your existing Allstate homeowner policy and includes protection for dwellings, other structures on the property, vandalism, burglary, fair rental income, building codes, and liability. It also includes premises medical protection and the option to add flood insurance and umbrella coverage. Allstate has a large network of agents, offers policy bundling and other discounts, and has an easy online claims process. However, it has higher rates compared to other insurers and only sells insurance in six-month terms. To get a quote and learn more about Allstate's coverage options for vacation rentals, visit their website or speak to a live agent.

CBIZ Insurance: Best Budget Option

CBIZ is an insurance company that offers coverage for vacation rentals. Their policy covers replacement costs for buildings and contents, damage caused by guests, loss of use, and extra expenses. It also includes loss of rental income following a property loss and extensive liability coverage for amenities such as pools and hot tubs. CBIZ is available in all 50 states and has good customer satisfaction ratings. Coverage can be obtained online or through a live agent, and the estimated cost for commercial and personal liability up to $2 million is around $1,600 per year.

CBIZ Insurance Cost

According to the information provided, the estimated rate for commercial and personal liability up to $2 million with CBIZ insurance is roughly $1,600 annually. It is important to note that the actual cost of insurance may vary based on factors such as the location and value of the property, the type and amount of coverage desired, and any discounts or promotions that may be available. It is recommended to contact CBIZ or request a quote online to get a more accurate estimate of the cost of insurance for your specific needs.

CBIZ Insurance Coverage

CBIZ insurance provides coverage specifically designed for short-term vacation and rental properties, including:

  • Replacement costs for buildings and contents
  • Damage caused by a guest
  • Loss of use and extra expense coverage when owner-occupied
  • Loss of rental income following an insured property loss
  • Extensive liability coverage for amenities such as pools, docks, lakes, hot tubs, bicycles, exercise equipment, small watercraft, and pets

The specific coverage and limits included in a CBIZ policy will depend on the policy terms and conditions, which can be customized to meet the specific needs of the policyholder. 

Pros and Cons of CBIZ Insurance

The pros of CBIZ insurance for vacation rental hosts include:

  • Less expensive than landlord or commercial property insurance: CBIZ insurance may be less expensive than landlord or commercial property insurance, making it a more affordable option for vacation rental hosts.
  • Available in all 50 states: CBIZ insurance is available in all 50 states, making it a good option for hosts who rent out their properties in different locations.
  • Good marks for customer satisfaction: CBIZ has received good marks for customer satisfaction, which may be appealing to hosts looking for reliable and responsive insurance coverage.

The cons of CBIZ insurance for vacation rental hosts include:

  • Coverage options are limited: CBIZ insurance may have limited coverage options compared to other insurers, which could be a concern for hosts looking for a more comprehensive policy.
  • Will only cover up to $5,000 in medical expenses due to guest injury: CBIZ insurance will only cover up to $5,000 in medical expenses due to guest injury, which may not be sufficient for some hosts. 

It is important to carefully review the terms and conditions of the policy to understand the specific protections that are included and any exclusions or limitations that may apply.

CBIZ Insurance Reviews

It appears that some people have had negative experiences with CBIZ Insurance, including issues with customer service, communication, and claim handling. Some people have also reported that CBIZ has high rates, is unorganized and uneducated, and may be fraudulent in its practices. On the other hand, other people have had positive experiences with CBIZ Insurance, praising its customer service, easy start-up process, and helpful responses to questions and concerns. It is important to note that the experiences of individual customers may vary and it is recommended to research and compare multiple insurance options before making a decision.

How to Start with CBIZ Insurance

To get started with CBIZ insurance, you can visit their website and request a quote online or speak to a live agent. You can also call their customer service team to ask questions or discuss your insurance needs. To obtain a quote, you need to provide information about your property, including its location, size, age, and any amenities or features that you offer to guests. You also need to provide information about your insurance needs and preferences, including the type of coverage you are looking for, the amount of liability coverage you want, and any additional protections or endorsements you may be interested in.

Consider CBIZ insurance for your vacation rental needs. With coverage options that are less expensive than landlord or commercial property insurance and available in all 50 states, CBIZ has received good marks for customer satisfaction. However, it is important to note that coverage options may be limited and medical expenses due to guest injury are only covered up to $5,000. Contact CBIZ or request a quote online to learn more about the insurance options available for your vacation rental.

Farmers Insurance: Best for Coverage Packages

Farmers Insurance is a company that offers landlord insurance policies for short-term rentals. The policies include liability insurance and comprehensive property coverage, with the option to add coverage for lost rents, personal property, personal injury, and other structures such as sheds, garages, and pools. Farmers Insurance is available in all states and offers discounts for certain professions, as well as bundling discounts. The company has a good reputation for financial stability and a low number of complaints compared to its size.

Farmers Insurance Cost

The cost of Farmers Insurance for vacation rental hosts will vary depending on various factors such as the location, size, and age of the home, as well as the amount of guest medical or family liability coverage desired. Prices for Farmers Insurance policies are typically in the range of $1,000 to $3,000. It is recommended to contact Farmers or request a quote online to get a more accurate estimate of the cost of insurance for your specific needs.

Farmers Insurance Coverage

Farmers insurance offers a prepackaged landlord insurance policy for vacation rental hosts that includes liability insurance and comprehensive property coverage. Optional coverage is available for lost rents, personal property, personal injury, and other structures like sheds, garages, and pools. The specific coverage and limits included in a Farmers insurance policy will depend on the policy terms and conditions, which can be customized to meet the specific needs of the policyholder. It is important to carefully review the terms and conditions of the policy to understand the specific protections that are included and any exclusions or limitations that may apply.

Pros and Cons of Farmers Insurance

The pros of Farmers insurance for vacation rental hosts include:

  • Policies available in all states: Farmers insurance is available in all 50 states, making it a good option for hosts who rent out their properties in different locations.
  • Discounts available for teachers, doctors, and some other professions: Farmers insurance offers discounts for certain professions, which may be appealing to hosts who fall into these categories.
  • Bundling discounts available: Farmers insurance offers discounts for bundling multiple policies, which may be a convenient option for hosts who want to insure multiple properties or other assets through the same insurer.
  • Claim forgiveness for longtime customers: Farmers insurance offers claim forgiveness for longtime customers who have a good claims history, which could be a benefit for hosts who have not had any claims on their insurance policy.
  • Fewer complaints than expected, relative to its size: Farmers insurance has received fewer complaints than expected, relative to its size, which may be reassuring for hosts considering this insurer.
  • Deductibles decrease over time if no claims are made: Farmers insurance offers a deductible reduction program, where deductibles decrease over time if no claims are made on the policy, which could be a financial benefit for hosts who have not had any claims.

The cons of Farmers insurance for vacation rental hosts include:

  • Some coverages are only available as part of a package: Some coverages offered by Farmers insurance may only be available as part of a package, which may not be suitable for all hosts.
  • Online quote tool provides limited information: Some users have reported that the online quote tool provided by Farmers insurance only offers limited information, which may make it difficult to fully understand the coverage options and costs.

It is important to carefully review the terms and conditions of the policy to understand the specific protections that are included and any exclusions or limitations that may apply.

Farmers Insurance Reviews

Farmers Insurance appears to have a mixed reputation. Some customers have had positive experiences with the company, including policies available in all states, discounts for certain professions, bundling discounts, claim forgiveness for long-time customers, and a relatively low number of complaints considering the company's size. However, other customers have reported negative experiences, such as unexpected premium increases, difficulties with the claims process, and poor customer service. Some customers have also reported that coverage options are limited and that the online quote tool provides limited information. It is important to carefully research and compare insurance options before making a decision to ensure that you choose a policy that meets your needs and budget.

How to Start with Farmers Insurance

To get started with Farmers Insurance, you can visit their website and request a quote online. You will need to provide some basic information about yourself and your property to receive an accurate quote. Alternatively, you can call Farmers Insurance and speak with a representative to discuss your insurance needs and obtain a quote. You can also visit a local Farmers Insurance agent in your area to discuss your options and get a quote. 

To find a local agent, you can use the agent locator tool on the Farmers Insurance website or call the company's customer service line for assistance. It is recommended to compare quotes from multiple insurance providers before making a decision to ensure you are getting the best coverage at the most affordable price.

Farmers Insurance offers landlord insurance policies for short-term rentals, including liability insurance and comprehensive property coverage with the option to add coverage for lost rents, personal property, personal injury, and other structures. The company has a good reputation for financial stability and offers discounts for certain professions as well as bundling discounts. Policies are available in all states and can be accessed and claims can be reported through the Farmers mobile app. Prices for policies typically range from $1,000 to $3,000. To get a quote and learn more about coverage options, hosts can contact Farmers or request a quote online.

Safely Insurance: Best for Low Occupancy

Safely is a vacation rental insurance and guest screening provider that offers comprehensive insurance and guest screening services to Airbnb and Vrbo hosts. They provide coverage of up to $1,000,000 for homes, their contents, and bodily injury. Safely also helps hosts screen guests and has a database of guests known to have caused damage to rental properties, which they use to prevent these guests from booking stays in host properties. 

Safely's insurance coverage is active during reservations and automatically attaches to bookings when a host shares their calendar with Safely. Safely's insurance policy covers on-site incidents, including property contents, structural property damage, and personal injury for the homeowner, property manager, and guests. Safely's insurance policy is available nationwide and has a quick and streamlined claims process, with 80% of claims being paid within 4 days. 

Safely Insurance Cost

It is not possible to provide an accurate estimate of the cost of an Safely insurance policy without more information about the specific property being insured. The cost of a Safely insurance policy will depend on various factors such as the location, size, and age of the property, as well as any additional coverage options that are selected and can range from $1,000 to $4,000. 

Safely Insurance Coverage

Safely insurance provides coverage for short-term or vacation rental properties, including residential properties such as apartments, cabins, condos, cottages, duplexes, and townhouses. 

Safely's comprehensive insurance policy covers on-site incidents, including property contents, structural property damage, and personal injury for the homeowner, property manager, and guests. 

The policy provides up to $1,000,000 in coverage for structural damage to the home and bodily injury, and up to $10,000 in coverage for the contents in the home. It also includes guest screening services to help ensure you are only accepting bookings from guests with clean records, and a claims process that is designed to be quick and straightforward.

Pros and Cons of Safely Insurance

Some pros of Safely insurance include:

  • Coverage: Safely insurance provides comprehensive coverage for short-term rentals, including protection for property contents, structural property damage, and personal injury for homeowners, property managers, and guests.
  • Integrations: Safely integrates seamlessly with many property management systems, making it easy to initiate coverage with every reservation.
  • Quick claims: Safely offers a quick and easy claims process, with payment taking as little as four days.
  • Pay-as-you-go: Safely's insurance policies are designed to cover your home and assets only when you need it, and you only pay for coverage when you have guests staying in your home.

Some cons of Safely insurance include:

  • Exclusions: Safely insurance policies may have exclusions and limitations similar to those found in typical homeowner's insurance policies, such as exclusions for damage caused by weather, normal wear and tear, and formal events, as well as limitations on coverage for certain types of items.
  • Cost: The cost of Safely insurance may be a consideration for some homeowners. The price of Safely insurance will depend on various factors, including the location and value of your property, the length of the rental period, and the type of coverage you choose. It is not clear from the provided information how much Safely insurance costs.

It is important to review the terms and conditions of a Safely insurance policy to understand the specific protections that are included and any exclusions or limitations that may apply.

Safely Insurance Reviews

Based on the limited available reviews, Safely insurance seems to have received mostly positive feedback from its customers. Customers have praised the company's responsive customer service team and simple claims process. They also appreciate the comprehensive coverage offered by Safely, which provides peace of mind to homeowners and guests. Some customers have also noted that Safely's coverage is more extensive than what is offered by other companies in the vacation rental industry. Overall, Safely appears to be a reliable and trustworthy choice for insurance in the vacation rental market.

How to Start with Safely Insurance

To get started with Safely insurance, you can follow these steps:

  • Visit the Safely website and click on the "Get a Quote" button.
  • Fill out the form with your personal and property information. This includes your name, contact information, property type, location, and rental income.
  • Submit the form and wait for a representative from Safely to contact you with a quote.
  • Review the quote and ask any questions you may have about the coverage.
  • If you decide to move forward with Safely insurance, you will need to provide any additional information that may be required, such as proof of ownership or existing insurance coverage.
  • Once all the necessary information is provided, you can purchase the policy and start using it for your short-term rentals.

Protect your vacation rental home with Safely insurance, which offers comprehensive coverage for property contents, structural property damage, and personal injury for homeowners, property managers, and guests. Safely also offers a quick and easy claims process and integrates seamlessly with many property management systems. Get started today and take advantage of pay-as-you-go insurance coverage and guest screening services to ensure a safe and successful rental experience.

How we Ranked The Top Airbnb Insurance Companies

We selected the top Airbnb insurance companies based on factors such as coverage, cost, financial stability, reputation, claim process, customer service, and location. We also considered recommendations and reviews from other Airbnb hosts. 

We ranked the top Airbnb insurance companies based on the following criteria:

  • Coverage: It is important to ensure that the insurance company offers coverage for the specific risks that you are concerned about. This may include liability coverage for accidents or injuries that occur on your property, coverage for damage to your property, and coverage for lost rents if you are unable to use your property due to a covered event.
  • Cost: It is important to consider the cost of the insurance policy and ensure that it fits within your budget. Be sure to compare the costs of different insurance policies and consider the value that each policy offers.
  • Financial stability: It is important to choose an insurance company that is financially stable and has a good reputation for paying out claims. This will ensure that you can rely on the company to provide the coverage you need in the event of a claim.
  • Reputation: Look for an insurance company that has a good reputation in the industry and has a track record of customer satisfaction. Read reviews and ask for recommendations from other Airbnb hosts to find a company that is reliable and trustworthy.
  • Claim process: Consider the process for filing a claim with the insurance company. It is important to choose a company with a straightforward and efficient claim process to ensure that you can get the coverage you need in a timely manner.
  • Customer service: Good customer service is important when selecting an insurance company. Choose a company that is responsive and easy to work with to ensure that you have the support you need when you need it.
  • Location: Some insurance companies may not offer coverage in certain areas, so it is important to ensure that the company you choose is able to cover your specific location.

It is important to choose an insurance company that offers comprehensive coverage for the specific risks you are concerned about, fits within your budget, has a good reputation and track record of paying out claims, has a straightforward and efficient claim process, provides good customer service, and is able to cover your specific location.

Takeaway

Airbnb insurance is a type of insurance that provides coverage for hosts who rent out their properties on Airbnb. It is important for hosts to have this insurance because it protects them from potential risks and liabilities associated with renting out their property. Choosing the right company for Airbnb insurance is important because it ensures that hosts have the coverage they need at a price that fits their budget. 

The best Airbnb insurance company is Obie because it offers customizable insurance plans that are simple, affordable, and transparent to obtain, covering a variety of dwellings and portfolios of all sizes. Obie also offers competitive pricing and good customer service, as well as a risk map and risk review to help landlords and investors prepare for potential risks near their properties. Obie insurance policies include liability insurance and comprehensive property coverage, with optional coverage available for lost rents, personal property, personal injury, and other structures. 

Airbnb Management Company
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Airbnb Property Management by Awning

Airbnb Property Management by Awning

Let us take care of your Airbnb property. We'll handle everything for your guests, your property, and for you the host, including all those services other property managers charge extra for.