What Airbnb Hosts in Florida Need to Know About Insurance
Florida has become a hotspot for Airbnb rentals, thanks to its year–round sunshine, beachside cities, and tourism-driven economy. If you’re a host in the Sunshine State, you might assume your homeowners or landlord insurance policy has you covered. However, when it comes to short-term rentals like Airbnb or Vrbo, traditional insurance often falls short—leaving you vulnerable when you need protection the most.
Liability: Are You Really Covered?
Property Damage: Protect What You’ve Built
In addition to liability, you also need to consider property damage. Accidents happen, and guests aren’t always as careful with your home as you would be. From broken furniture and stained carpets to kitchen fires or water damage, the financial cost of repairs can be significant. A tailored insurance policy ensures your property is covered not just for typical perils, but for guest-caused incidents as well.
Loss of Income: Don’t Let Downtime Hurt Your Wallet
Another risk that many hosts overlook is loss of income. If your property becomes uninhabitable due to a covered event—like a hurricane, fire, or flood—you lose the ability to generate rental income. Specialized Airbnb insurance often includes business interruption coverage, reimbursing you for lost income during the downtime. In Florida, where hurricanes are a regular threat, this protection can be vital for keeping your hosting business financially stable.
Why Airbnb’s AirCover Isn’t Enough
BetOnYou: Your Partner in Short-Term Rental Protection
For Florida hosts, working with an agency that understands both local laws and the nuances of short-term rental insurance is key. At Bet On You Insurance Agency, we help Airbnb and vacation rental owners secure the right coverage to protect their property, income, and peace of mind. Hosting can be rewarding, but it’s not without risk—don’t let an uncovered claim ruin your investment.
If you’re ready to explore the best protection options for your Airbnb property, reach out to one of our bilingual agents today. Let us help you bet on your future with confidence.
