Choice One Insurance

Airbnb Insurance in Florida

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Choice One Insurance | Insurance in Florida

Running an Airbnb in Florida comes with incredible opportunities and unique risks. At Choice One Insurance, we help short-term rental hosts explore coverage options designed with Florida property owners in mind. Whether you’re renting out a spare room in Miami or managing a beachside property in Clearwater, we’ll guide you through the complexities of insurance for your Airbnb venture.

Airbnb Insurance Florida

What Is Airbnb Insurance And Why Might Florida Hosts Consider It?

Airbnb insurance generally refers to insurance solutions that may help protect property owners who offer short-term rentals through platforms like Airbnb and Vrbo. In Florida, where tourism thrives year-round, many hosts look for options beyond traditional homeowners or landlord policies.

Short-term rental activity often falls outside the bounds of standard property insurance, especially when there’s high guest turnover or additional liabilities like pools, balconies, or boats. Airbnb does offer some built-in protections for hosts, but they may not address every scenario, especially when it comes to property damage, guest injuries, or business-related losses. For Florida hosts, especially those along hurricane-prone coastlines or in bustling tourist hubs, specialized Airbnb insurance options may be worth considering.

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Who Needs Airbnb Insurance In Florida?

Anyone renting out property on a short-term basis in Florida,whether full-time or seasonally, may want to review their insurance needs. This includes:

  • Homeowners renting a room or guesthouse
  • Investors with vacation rental properties
  • Snowbirds renting their home while away
  • Property managers overseeing multiple units

 

Because Florida has specific local regulations, zoning ordinances, and exposure risks (like storms or flooding), Airbnb hosts often benefit from speaking with a Florida-based insurance agency that understands the local landscape. Choice One Insurance helps Florida hosts review their options and navigate coverage that aligns with their property use.

  • While each policy is unique, some coverage areas that may be relevant to short-term rental properties in Florida include:

    • Property Damage: If a guest damages your furniture, appliances, or structure, certain insurance options may help address the loss.
    • Liability Protection: In case a guest slips by the pool or gets injured during their stay, liability protection could help cover medical or legal costs.
    • Loss Of Income: If a covered event, like storm damage, makes your Airbnb uninhabitable, some policies may offer protection for lost rental income.
    • Guest Theft or Vandalism: If a guest causes intentional harm or steals property, you may need extra layers of protection.
    • Business Use Coverage: Standard homeowners policies often exclude business activity. Since short-term rental income may be considered commercial use, policies tailored to vacation rentals can help close that gap.

     

    Please note, coverage varies by insurer and policy. Our team at Choice One Insurance works with multiple providers to help you compare your options and understand what’s available in Florida.

  • A typical homeowners insurance policy is designed for owner-occupied residences, not properties with frequent guest turnover. In many cases, insurers consider short-term rentals a commercial exposure, which means claims related to rental activity might not be covered under a standard home policy.

    Airbnb insurance may fill these gaps by offering protection more suited to the risks of renting your property to short-term guests. That said, not every host needs a full commercial policy. Factors like how often you rent, how many properties you manage, and whether you live on-site all play a role.

    At Choice One Insurance, we take the time to understand how you use your property and help you explore the right balance of personal and business coverage for your situation.

  • Florida’s climate, tourism industry, and regulatory environment set it apart from many other states. Here are a few factors that can affect Airbnb insurance in Florida:

    • Weather Events: Hurricanes, flooding, and wind damage are common concerns, especially in coastal areas.
    • High Guest Turnover: Florida’s year-round tourism means higher occupancy and potentially higher risk.
    • Local Regulations: Some Florida municipalities require permits or carry restrictions on short-term rentals.
    • Luxury Amenities: Pools, docks, and watercraft are popular features but may introduce additional liability exposure.

     

    Choice One Insurance is based in Florida, and our local knowledge helps us understand the specific risks hosts face, from Orlando to the Keys. We tailor our recommendations with Florida’s insurance environment in mind.

  • While Airbnb offers Host Guarantee and Host Protection Insurance, these programs have limitations. The Host Guarantee is not an insurance policy, and coverage is subject to specific terms and exclusions. Similarly, the Host Protection Insurance offers liability coverage, but it may not extend to all incidents or property types.

    These protections also don’t cover loss of income or some types of property damage. For Florida hosts with higher-value homes or multiple properties, relying solely on platform-provided protections could leave critical gaps.

    That’s why Choice One Insurance recommends reviewing these programs alongside a tailored insurance solution, so you can feel more confident in your protection.

  • As a Florida-based independent agency, Choice One Insurance partners with multiple carriers to help Airbnb hosts compare coverage options. We take a consultative approach; learning how your property operates, what concerns you have, and which protections you’re looking for.

    Whether you host occasionally or manage a portfolio of vacation rentals, our team can assist with:

    • Exploring policy options tailored to short-term rentals
    • Reviewing your current insurance and identifying potential gaps
    • Comparing quotes from leading insurers
    • Supporting you with claims, questions, or policy changes

     

    We aim to make the process clear and supportive, not overwhelming.

Airbnb Insurance Florida

How Can I Get Started With A Quote?

Getting started is easy. Reach out to us at Choice One Insurance for a personalized quote or policy review. Our team is ready to help you understand your options and support your goals as an Airbnb host in Florida.

You can contact us online. Let’s make sure your property and your peace of mind are protected.

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Cutler Bay, FL 33157

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