What type of insurance should I have for my STR?

[Lucy578]

I was informed by my insurance company that I wasn’t allowed to list my room as it would void my complete home insurance. The company recommended another company that covers Airbnb who were going to charge an additional £500 on top of my existing premium , given I rent a room out for approximately £50 and mainly only weekends I felt it was a bit high. Can anyone recommend and insurance company I could try for a quote please. 
kind regards Lucy

[Sean140]

Sorry to hear that you're having trouble with your insurance.  I am able to handle all US states and have multiple carriers. Please contact me if you need help.

Sean F Murphy Insurance Agency Worth, IL

[Colin434]

Hi Sean,

I just emailed you. I need some help and guidance - can we set up a chat?

[Marie7629]

Hi Sean

do you still operate as a broker for  companies that deal with Airbnb properties?

[Dani10808]

I’d love some help with this. We can’t find any co to insure our home for the summer as we rent it out on air bandb 

[Linda3763]

Sean140@.

Hi Sean,

I live in NY and am looking for an insurer for my Airbnb.  Can you help? Thank you,  Linda **

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[Jonathan2309]

hello,

How can someone get in contact with you? 

[Joseph1481]

I contacted my US insurance agent who stated that my homeowner's policy, good for up to a million dollars, would be just fine. But, he suggested a get an umbrella policy for about ten bucks more a month, which I am going to do. And this refers to a camping site/deck below my home on a separate structure. 

[Kim3215]

Hi @Joseph1481 , that surprises me! What's the insurance company? I am currently shopping around, my policy rental is coming up and American Modern is just getting very pricy. I am hoping to find something a little cheaper.  Regular home insurances don't cover short term rentals. Make sure you have that in your policy that's ok, you do not want to find out the hard way. 

[Andy2843]

Hi @Lucy578 , how did you get on . I’m literally new as new could be to this and I asked admiral who do my domestic insurance to add on but they said no . Did you have any luck or did you go elsewhere? Andy 

[Jane3162]

Yes I’ve read some bad news about Airbnb insurance ‘cover’ . I think this needs looking at by Airbnb. I’ve just had to take out extra cover.like you I just rent out two rooms for around £50. If the Airbnb doesn’t give proper insurance it doesn’t work. How can they say they provide cover when they don’t ? There are too many loopholes!

[Sally876]

I agree it is a total nightmare.  I live in Cheltenham UK so rent the whole house out in March for Race week then weekends through the year.  The first year I told our insurers and it went up by about £200 . Fair enough I thought.  Last year we didn't do airbnb because of covid. Just trying to renew our insurance and it had to be changed back to the one we took out 2 years ago.  This time it is £500 more than our usual house insurance as the first year was a favour.

Airbnb say they cover you for 1000000 $ and I phoned to check that this was for the house as well and this was confirmed.  SO today I just took out the usual house insurance and it all went through smoothly so I thought I was covered.  A last minute phone call from the broker who told me the agent who sold it had made an error and I am not covered and no ordinary insurance policy will cover letting your house out.  So I am stuck with paying the extra £500. That is with plum insurance!

I cant understand what the Airbnb insurance is all about as surely we cant claim off home insurance and them.

[Rita2301]

I am in Seattle WA. I have a airbnb in my home. lower level. We live upstairs. Can anyone recommend a insurance company?

[Meena1]

Is there an insurance company in Canada that covers STR s?

[Anna12526]

Hi Lucy. I recommend Proper insurance. They always understand what I am talking about and provide comprehensive insurance. The service team member I use is  Tim Lazarewicz.

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