Best Business Insurance for Airbnb Hosts in 2025 (Top 10 Companies Ranked)
State Farm, Chubb, and Allstate offer the best business insurance for Airbnb hosts, with monthly rates from $120. These top Airbnb insurance carriers provide short-term rental coverage, host liability protection, vacation rental insurance, and home-sharing endorsements tailored to property owners.
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Kristen Gryglik
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Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Apr 24, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 24, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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11,638 reviewsThe top picks for the best business insurance for Airbnb hosts are State Farm, Chubb, and Allstate, with rates starting at just $120 per month.
Our Top 10 Company Picks: Best Business Insurance for Airbnb Hosts
| Company | Rank | Monthly Rates | Liability Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $120 | 15% | Comprehensive Coverage | State Farm |
 | #2 | $140 | 18% | High-Value Properties | Chubb |
 | #3 | $130 | 20% | Customizable Policies | Allstate |
 | #4 | $110 | 12% | Online Convenience | Progressive |
 | #5 | $125 | 14% | Airbnb Coverage | Farmers |
 | #6 | $122 | 17% | Brand Reputation | Nationwide |
 | #7 | $135 | 22% | Strong Financials | Liberty Mutual |
 | #8 | $118 | 16% | In-Depth Policies | Travelers |
 | #9 | $128 | 13% | Industry Experience | Hartford |
 | #10 | $115 | 25% | Customer Loyalty | USAA |
State Farm stands out as the top overall Airbnb insurance provider, offering a strong balance of affordability, comprehensive coverage, and host-specific endorsements.
Chubb excels in protecting high-value properties, while Allstate offers flexible, customizable policies for a range of hosting needs.
- State Farm is the top pick for value, coverage, and host-specific endorsements
- Protects hosts with liability, property, and income loss coverage options
- Tailored short-term rental policies offer the best business insurance coverage
This guide helps hosts compare the best Airbnb insurance carriers for coverage that protects property and income. Use our free quote comparison tool to find the best business insurance for your budget and needs.
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates for Hosts: With starting prices of just $120 per month, State Farm has competitive rates, especially appropriate for Airbnb hosts with multiple stays per month.
- Host-Friendly Policy Endorsements: Provides short-term rental endorsements designed to cover risks unique to Airbnb hosting, including guest-caused damage.
- Strong Financial Stability: Rated A++ by A.M. Best, the State Farm homeowners insurance review shows strong financial stability, giving Airbnb hosts confidence in claims and reliability.
Cons
- Limited in Certain States: Short-term rental coverage may not be available in all states, limiting options for some Airbnb hosts.
- No Fully Online Policy Setup: Airbnb hosts must contact an agent for quotes on State Farm Airbnb insurance, which may not be suitable for digital-first users.
#2 – Chubb: Best for High-Value Properties
Pros
- Superior Coverage for Luxury Homes: Ideal for Airbnb hosts with high-end or architecturally unique properties.
- Customizable Endorsements: Offers specialized options, such as valuables protection and equipment breakdown coverage, for rental-ready homes.
- Worldwide Liability Protection: Airbnb hosts benefit from global liability coverage, as noted in our Chubb insurance review.
Cons
- Higher Premiums: Chubb’s top-tier protection often comes with a higher price tag, starting above budget rates.
- Strict Underwriting Guidelines: It may be harder to qualify for if your Airbnb property isn’t well-maintained or fully insured.
#3 – Allstate: Best for Customizable Policies
Pros
- Flexible Coverage Options: Allstate allows Airbnb hosts to tailor policies to match property type, location, and guest frequency.
- Add-On Endorsements Available: Hosts can enhance coverage with home-sharing add-ons, per our Allstate insurance review.
- Bundling Discounts: Airbnb hosts can save when combining auto, homeowners, or business policies with short-term rental insurance.
Cons
- Limited Availability of Endorsements: Some Airbnb-specific add-ons may not be available in all states.
- Complex Quote Process for Rentals: Obtaining a quote for short-term rental coverage can involve multiple steps or require speaking with an agent.
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#4 – Progressive: Best for Online Convenience
Pros
- Easy Online Quotes: Airbnb hosts can get fast, customized insurance quotes without needing to speak to an agent.
- Digital Policy Management: Hosts can manage policies, file claims, and update details through a user-friendly dashboard.
- Mobile App Access: Airbnb hosts can manage coverage on the go with the app. See our Progressive insurance review & ratings for details.
Cons
- Fewer Custom Options: It lacks the deep customization that some other Airbnb-focused insurers offer.
- Not Specialized in Short-Term Rentals: Coverage isn’t always tailored specifically to Airbnb hosting risks.
#5 – Farmers Insurance: Best for Airbnb Coverage
Pros
- Tailored Short-Term Rental Endorsements: Farmers has specialized home-sharing endorsements for Airbnb hosts that want more coverage than homeowners’ insurance.
- Flexible Policy Options: Airbnb hosts can choose from multiple coverage levels, allowing customization based on property type and hosting frequency.
- Loss of Income Protection: Covers lost income if a covered event makes your Airbnb uninhabitable, as noted in our Farmers insurance review.
Cons
- Limited Availability by State: Airbnb-specific coverage options aren’t offered in all states, limiting access for some hosts.
- Endorsement Required for Full Coverage: Airbnb hosts must add a specific endorsement. Standard homeowners policies alone won’t cover short-term rentals.
#6 – Nationwide: Best for Brand Reputation
Pros
- Trusted National Brand: Well-established name offers peace of mind for Airbnb hosts seeking dependable service, as highlighted in our Nationwide insurance review.
- Flexible Policy Options: Offers customizable coverage suited to varying hosting frequencies and property types.
- Experienced Customer Support: Nationwide agents are knowledgeable in handling short-term rental coverage needs.
Cons
- Higher Premiums in Some Areas: Monthly rates for Airbnb hosts can be less competitive in certain high-risk zones.
- Not Available in All States: Airbnb hosts in some locations may have limited or no access to Nationwide rental coverage.
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#7 – Liberty Mutual: Best for Strong Financials
Pros
- High Financial Strength Rating: A.M. Best rating of A ensures stability and reliable claims for Airbnb hosts.
- Bundle Discounts Available: Hosts can save by bundling policies, as noted in our Liberty Mutual insurance review.
- Well-Established Reputation: Over 100 years in the industry gives Airbnb hosts peace of mind when insuring assets.
Cons
- Policy Complexity: Navigating commercial vs. personal property coverage can be tricky, but Airbnb commercial insurance helps ensure hosts get the right protection for their rental.
- Premiums May Be Higher: Strong financial backing can come with above-average monthly rates for hosts.
#8 – Travelers: Best for In-Depth Policies
Pros
- Extensive Policy Customization: Travelers offers flexible add-ons that Airbnb hosts can tailor to unique property risks.
- Strong Liability Protection: Great for Airbnb hosts concerned about guest injuries, as noted in our Travelers insurance review for strong liability protection.
- Multi-Policy Discounts: Bundling home, auto, or umbrella policies can reduce overall costs for hosts.
Cons
- Slower Quote Process: Detailed underwriting can delay quote generation compared to quick-quote insurers.
- Strict Eligibility Requirements: Some Airbnb properties may not qualify based on use, location, or claims history.
#9 – The Hartford: Best for Industry Experience
Pros
- Extensive Insurance History: With over 200 years of insurance expertise, they offer Airbnb hosts confidence and reliability.
- Specialized Business Coverage: Offers robust commercial policies ideal for full-time or multi-property Airbnb hosts.
- Strong Claims Support: An experienced claims team helps hosts resolve issues quickly, as noted in The Hartford insurance review.
Cons
- Not Always the Cheapest: Premiums may be higher than those of newer insurers, especially for single-property Airbnb hosts.
- Limited Online Quote Tools: Airbnb hosts may need to speak with an agent to get detailed short-term rental quotes.
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#10 – USAA: Best for Customer Loyalty
Pros
- Exclusive Membership Benefits: Airbnb hosts with military affiliation gain access to exclusive policy perks and member discounts, as highlighted in the USAA insurance review.
- Comprehensive Property Coverage: Offers solid protection for home and contents, ideal for hosts renting out personal or vacation homes.
- Exceptional Customer Service: USAA is known for its high customer satisfaction ratings and provides responsive support as needed for short-term rentals.
Cons
- Military-Only Eligibility: Only available to active, retired, or honorably separated military and their families, limiting access for civilian Airbnb hosts.
- Fewer Local Agents: USAA operates mostly online, which may be inconvenient for Airbnb hosts who prefer in-person guidance.
Business Insurance Coverage and Monthly Rates for Airbnb Hosts
Airbnb hosts need specialized coverage to protect their rentals, income, and guests. Below are key coverages to look for, plus a rate comparison from top providers.
Monthly Rates for Airbnb Hosts by Coverage Level
| Insurance Company | Monthly Rate |
|---|---|
| $130 |
| $140 |
| $125 |
| $135 |
| $122 |
| $110 |
| $120 |
| $128 |
| $118 |
| $115 |
This table breaks down the monthly business insurance rates for Airbnb hosts based on coverage levels and providers.
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It helps you compare top Airbnb insurance carriers like State Farm, USAA, and Progressive, so you can find the right balance of cost and protection for your short-term rental property.
- Property Damage Coverage: Protects the physical structure and personal belongings inside the rental from risks like fire, theft, or vandalism caused by guests or natural disasters.
- Liability Insurance: Covers legal and medical expenses if a guest is injured on your property or if you’re found responsible for third-party property damage.
- Loss of Income Coverage: Reimburses lost rental income if your Airbnb property becomes uninhabitable due to a covered event like a fire or severe water damage.
- Guest Medical Protection: Pays for minor medical expenses if a guest gets injured during their stay, regardless of who’s at fault, helping avoid legal disputes.
- Host Protection Endorsements: Adds specific protections for short-term rental activities, such as damage caused by guests or coverage during periods of high occupancy.
Whether you’re looking for minimum protection or full coverage, this comparison highlights the most competitive options available to short-term rental owners, including providers that also offer the cheapest renters insurance for added savings.
Use it to find the right balance of affordability, liability protection, and property coverage tailored to your hosting needs.
Business Insurance Discounts for Airbnb Hosts
Airbnb hosts face unique liability risks that make strong insurance coverage a must. In addition to essential protection, understanding how an insurance company determines the premium is key to budgeting effectively. Many top providers also offer valuable business insurance discounts that can help lower your monthly premiums.
Business Insurance Discounts by Provider
| Insurance Company | Discount Type |
|---|---|
| Multi-Policy, Protective Device, Early Signing, Claim-free history |
| Superior Protection, Bundled Policies, Risk Improvement Actions, Fire and Burglar Alarms |
| Multi-Policy, Security System Enhancements, Non-Smoking, Claim-Free Rewards |
| Bundled Policy, Safety Features Installation, Claims-Free Period, Newly Purchased Homes |
| Multi-Policy Savings, Home Renovation Credits, Protective Device Installations, Roof Rating |
| Multi-Policy Bundling, Security System Installations, Automatic Sprinkler Systems, Policy Renewal |
| Bundling Policies, Home Security Systems, Impact-Resistant Roofing, Wind Mitigation |
| Bundling Policies, Home Security Measures, Renewal Discounts for Continuous Coverage, Retiree Benefits |
| Multi-Policy Bundling, Homebuyer, Loss-Free, Protective Devices |
| Bundle and Save, Home Security System, Claims Free for a Period, Loyal Member |
Compare business insurance discounts for Airbnb hosts by provider. See how top Airbnb insurance companies like State Farm, USAA, and Allstate offer savings for bundling, security systems, claim-free history, and more.
Strong liability coverage offers peace of mind, and discounts help lower costs. Use the chart above to compare policies and get coverage beyond Airbnb insurance cancellation and coverage limits.
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3 Case Studies: The Value of Business Insurance Coverage
Things can go wrong when you are hosting on Airbnb, whether it is an accident, damage, or even theft. These real-life stories show how the right business insurance helped hosts handle unexpected problems without paying huge costs themselves.
- Case Study #1 – Fire Damage at a Downtown Loft: A guest-caused kitchen fire resulted in major damage, but coverage like Airbnb host insurance in Massachusetts paid $28,000 in repairs and two months of lost income.
- Case Study #2 – Guest Injury and Liability Claim: A guest slipped on wet stairs and broke their arm. With $1M in Airbnb host insurance in North Carolina, the host avoided over $45,000 in medical and legal costs.
- Case Study #3 – Theft During a Holiday Booking: Guests stole electronics and wrecked furniture during a New Year’s Eve stay in a San Diego condo. The host’s short-term rental policy paid $6,500 to cover property losses, highlighting the importance of content coverage.
These examples show how the right insurance can protect Airbnb hosts from major financial setbacks, unexpected repairs, and legal issues.
By having proper coverage in place, you can avoid out-of-pocket costs, stay prepared for the unexpected, and keep your rental business running without interruptions while giving your guests a safe and enjoyable experience.
Affordable Business Insurance for Airbnb Hosts
The best business insurance for Airbnb hosts combines strong coverage with competitive pricing to protect against guest injuries, property damage, and income loss. Top companies like State Farm, Chubb, and Allstate, recognized among the best insurance companies, offer short-term rental policies specifically designed for hosts, with monthly rates starting at $120.
These providers are among the best for rental property insurance, offering customizable options, host-specific endorsements, and dependable claims support. They are a trusted pick for protecting your rental business.
Enter your ZIP code into our quote comparison tool to get less expensive insurance coverage for your own business.
Frequently Asked Questions
What insurance do you need as an Airbnb host?
As an Airbnb host, you need business insurance that includes property damage coverage, liability protection, loss of income coverage, and endorsements tailored to short-term rentals.
Does Airbnb reimburse for stolen items?
Airbnb may reimburse for stolen items through its Host Guarantee program, but it is not insurance and has limitations. For full protection, hosts should have business insurance.
To find cheap business insurance, enter your ZIP code into our free quote comparison tool and get covered today.
How much is Airbnb host protection insurance?
Airbnb provides Host Protection Insurance with up to $1 million in liability coverage, but it does not replace personal business insurance or personal injury protection insurance for broader medical and legal coverage.
What happens if I accidentally damage Airbnb property as a host?
If you accidentally damage your Airbnb property while preparing for guests, insurance for Airbnb property may cover the repair costs depending on your policy. Airbnb’s Host Guarantee does not include personal liability.
Can an Airbnb host force you to pay damages?
Yes, if a host reports damage, Airbnb may charge you after reviewing the case. Many Airbnb insurance reviews note this as a standard Resolution Center process. To avoid surprise costs, consider getting the best Airbnb insurance policy for added protection.
Does Airbnb have an insurance policy?
Yes, Airbnb offers a policy called AirCover for Hosts, which includes liability insurance up to $1 million for guest injuries or damages. However, it may not cover all risks, so additional business insurance is recommended.
Are there companies that specialize in Airbnb host insurance in Vermont?
Yes. Companies like State Farm, Allstate, and Proper Insurance offer policies tailored to short-term rentals in Vermont.
How does Airbnb punish hosts for guest complaints?
Airbnb may reduce a host’s search ranking, remove listing visibility, or issue warnings if guests report serious or repeated issues such as cleanliness, safety, or misrepresentation.
What does Airbnb insurance not cover for valuable items?
High-value personal items like jewelry, artwork, or rare collectibles are often excluded unless specifically covered by your own policy. The best business insurance for jewelry stores typically includes specialized coverage to protect these items against theft, loss, or damage.
Are there discounts available for Airbnb host insurance in Maine?
Yes, providers often offer discounts for bundling policies, installing security systems, or maintaining a claim-free history as an Airbnb host in Maine.
What is the best insurance for Airbnb if I rent out a room in my primary home?
The best insurance for Airbnb hosts is a homeowners policy with a home-sharing endorsement or a business policy that covers short-term rentals for full protection.
What insurance companies cover Airbnb rentals with full property protection?
Companies like State Farm, Allstate, and Chubb are top insurance companies that cover Airbnb, offering broader protection than what a typical homeowners insurance policy covers, including guest damage and natural disasters.
Does standard homeowners insurance include Airbnb host insurance in Virginia?
Most homeowners’ policies in Virginia do not cover short-term rentals. To stay protected, you may need a home-sharing endorsement, Airbnb insurance, or insurance for cohosts if you share hosting duties.
Does Airbnb host insurance in New York cover tenant-occupied properties?
Standard host insurance may exclude properties with long-term tenants. You’ll need a specialized policy if your Airbnb listing is tenant-occupied, especially in New York, where regulations vary.
Can I bundle Airbnb host insurance in Texas with other policies?
Yes, many providers in Texas offer bundling discounts when combining the best home insurance for an Airbnb with host or auto coverage, especially when selecting from different types of car insurance coverage, helping you save while protecting your property.
Can I get Airbnb host insurance in New Hampshire for a part-time rental?
Absolutely. Many insurers offer flexible Airbnb host insurance in New Hampshire for part-time or seasonal rentals with adjustable coverage options.
Does Airbnb provide enough coverage, or do I need separate Airbnb host insurance in Alabama?
Airbnb’s Host Guarantee offers limited protection and is not a substitute for full coverage. Separate Airbnb host insurance in Alabama is essential for comprehensive protection.
Does Airbnb insurance in Illinois cover guest injuries?
Yes, most Airbnb property insurance includes liability coverage for guest injuries. Be sure to review how to file a home insurance claim to handle incidents properly.
Can I get liability-only Airbnb insurance in Connecticut?
Yes, some insurers offer liability-only Airbnb insurance in Connecticut, which can be a more affordable option if property damage coverage such as Airbnb insurance for guest damage is already in place elsewhere.
What does Airbnb insurance cover for guests in case of injury?
Airbnb’s Host Protection Insurance covers guest injuries up to $1,000,000 per occurrence, but may not cover intentional or high-value damage. Hosts should also factor in host liability insurance cost when considering additional protection.
Get commercial insurance that doesn’t break your budget by using our free comparison tool.
Compare The Best Insurance Quotes In The Country
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.