Airbnb Insurance Massachusetts

Choice Insurance Agency

Airbnb Insurance in Massachusetts

Offering customized insurance solutions in Massachusetts and beyond.

What is Airbnb insurance?

Renting properties in any situation presents risks, but the risks that Airbnb hosts face aren’t exactly the same as what traditional landlords have to consider. For Airbnb hosts in Massachusetts, there’s Airbnb insurance.

Airbnb insurance offers tailored protections for properties listed on short-term rental platforms. Policies may protect against a variety of risks when properties are booked.

What hosts listing Massachusetts properties online need Airbnb host insurance?

Most hosts listing Massachusetts properties on Airbnb should have Airbnb host insurance. The same is generally true when listing on Vrbo, HomeStay, Hipcamp, Vacasa, or similar platforms.

Moreover, this broadly applies regardless of what type of property is listed or how often it’s booked. Coverage is usually recommended when listing a primary residence, guesthouse, beach house, condominium, apartment, cabin, or some other place.

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Airbnb Insurance Massachusetts

Words from our Clients

Gained a customer for life.

Moved all my personal lines of insurance over to Choice. They found me a set of policies that saved me over $1000/year. Then, Julie took care of my commercial line, jumped through so many hoops and got me a policy for my business at an amazing rate.

Great people, great insurance, great advice, great price.

Kristoffer S., Google Review

Choice insurance has been providing insurance coverage to our commercial real estate business for over 7 years and the service has been tremendous. Peter has always responded quickly and with incredibly aggressive pricing; and with a perspective to assure that we are fully covered for all potential issues without unnecessary coverage and fees. There is such a comfort when working with Peter and his company that our best interest is their top priority.

Mike R., Google Review

I have been a happy customer of Choice Insurance for 12+ years. Peter and the team have been fantastic — always professional and knowledgeable about supporting my business insurance needs as well as our personal, home, car, and condo insurance needs. Peter has helped us with insurance questions related to buying and selling homes, a flood insurance claim, a tree that almost fell on our house and destroyed our fence, and a car accident. Recently, Peter noticed that our condo insurance (inherited from the prior owner) was severely inadequate. He helped us switch to a much better policy within less than a day. And, thank goodness he did. A couple weeks later, I smelled gas outside our home. It was a gas leak that National Grid fixed right away. But, I slept more soundly that night knowing that if the worst had happened, we would be fully covered thanks to Peter! I can’t recommend Choice enough!

Christine A., Google Review
This is our third policy with Peter, he’s awesome!! We started with a policy for a commercial space and added a home insurance and auto policy because of the quality of service that we received.
We highly recommend Choice Insurance Agency for competitive pricing and transparency. Want a great policy and customer service experience look no further.
M. Maxwell, Google Review

Peter and his team are thorough and have a strong sense of urgency for all matters pertaining to our account. Each time we reach out for assistance, our expectations are exceeded. I would recommend his team to anyone.

Chris C., Google Review

I switched to Choice 10 years ago and with 2 teenage drivers we interact frequently. Every time they have made the process quick and effortless. My family and I could not be more pleased.

Matthew P., Google Review
Choice Insurance Agency

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What coverages can Airbnb host insurance provide?

Airbnb host insurance might provide a few different protections. Some of the most common ones are:

  • Dwelling Coverage: Could cover the physical property from damage caused by renters, their guests, or other risks such as severe weather.
  • Personal Property Coverage: Could cover the loss or damage of personal items within the property due to theft, vandalism, or other risks.
  • Liability Coverage: Could cover lawsuits brought against the host due to injuries that occur on the property during a rental period, or outside of one.

Do hosts need additional protections in addition to what insurance Airbnb provides?

Airbnb normally provides some coverages for hosts when properties are booked. Most hosts will find that a separate Airbnb host policy will provide important additional protections, though.

The protections that Airbnb provides are primarily through its AirCover for Hosts program. This is a free benefit that may include property damage courage (up to $3 million) and liability coverage (up to $1 million). 

AirCover generally only applies during bookings, however. This can leave hosts without protection against damage or liability lawsuits when a property isn’t actively rented.

Procuring separate Airbnb host insurance can fill in gaps that Airbnb’s protections leave. A self-purchased policy will generally be in effect both when a property is booked and when it’s not. Hosts can also choose coverages, limits, and deductibles that work for them.

An insurance agent who specializes in helping Airbnb hosts will be able to find a policy that fills in gaps, and provides robust protections.

Airbnb Insurance Massachusetts

Can Airbnb host policies cover long-term leases?

Airbnb host policies are primarily designed for short-term rentals. A policy with the right terms might cover a rental that’s 30 days or a little longer, but a longer multi-month rental usually requires landlord insurance instead.

A knowledgeable agent can check the maximum single-rental duration that an Airbnb host policy would cover.

Do homeowners insurance policies cover Airbnb or similar rentals?

Select homeowners insurance policies might provide coverage for short-term online rentals in certain situations. If coverage is provided, the number of stays and/or length of stays would likely be limited. Some policies might not cover any stays.

A knowledgeable agent can also check whether homeowners insurance would cover an Airbnb or other short-term rental. If it wouldn’t then an Airbnb host policy is likely advisable.

How much do hosts pay for their own Airbnb policies?

The cost of an Airbnb host policy varies based on several factors, often including the property’s location, size, and value, as well as the frequency of rentals and the specific coverages selected. Additional factors like previous claims history can also affect premiums. 

Hosts should obtain quotes from multiple insurers to find the most competitively priced policies that meet their needs. Independent agents are able to assist with requesting custom quotes from several insurance companies.

Choice Insurance Agency

Where can hosts listing Massachusetts properties online get Airbnb insurance?

If you’re listing one or more Massachusetts properties on short-term rental platforms, contact the independent insurance agents at Choice Insurance for help finding coverage. Our agents will make sure you find an Airbnb insurance policy that’ll protect your property and you well.

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