Whole Home Hosts
Houses and condos rented to guests full time or part of the year.
Short Term Rental Insurance in San Antonio
Coverage for homes and units rented by the night or week, written for hosting instead of the homeowners or landlord policy you started with.
Who It's For
Owners Who Host on Site
A room, garage apartment or casita rented while you live on the property.
Investors With Several Units
Portfolios of short term rentals, often held in an LLC.
What It Covers
Dwelling and Contents
The structure plus the furniture, linens and electronics you provide for guests.
Host Liability
Claims from guests or visitors hurt at the property.
Loss of Income
Booked income lost while the property is repaired after a covered loss.
Damage by Guests
Some policies cover damage caused by guests. Terms vary by insurance company.
Texas and San Antonio Details
Most homeowners policies and many landlord policies exclude or limit short term rental activity. If you list a property on Airbnb, Vrbo or a similar site, check your policy or ask us to.
Platform host protection programs can help, but they are not a policy in your name and they come with their own limits and exclusions.
The City of San Antonio requires a short term rental permit for properties inside city limits, and hosts report hotel occupancy tax. Check the city's current rules before you list.
Common Questions
Does My Homeowners Policy Cover Airbnb Guests?
Often not, or in limited ways. Many homeowners policies treat regular short term rentals as a business activity and exclude it.
Isn't Platform Host Protection Enough?
Host protection programs have their own limits and exclusions and are not a replacement for a policy in your name.
Do I Need a Permit in San Antonio?
The City of San Antonio requires a short term rental permit for rentals inside city limits. Rules change, so check with the city's Development Services Department.
Can a Short Term Rental Be in an LLC?
Yes. The policy should name the LLC that owns the property.
Are Pools and Hot Tubs a Problem?
They can be insured, but they affect pricing and some insurance companies require fencing, alarms or posted rules.
Related Coverage
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