Guide
Short-term & mid-term rentals
Airbnb/VRBO-style and mid-term stays — occupancy, ordinances, and why the file differs from a 12-month lease.
Short-term and mid-term rentals are underwritten differently from a traditional 12-month lease. Booking platforms, average nights occupied, cleaning vendors, and local ordinance status belong on the submission.
Some dwelling markets restrict or exclude certain short-term uses. Honest disclosure protects you more than optimistic marketing claims.
Affordable Landlord Insurance helps owners describe short-term or mid-term use on landlord quote requests across ten service-area states. We do not invent a product that every carrier writes.
Include HOA or condo rules, fire/life-safety features, and whether the unit is in a primary residence part-time. Primary-home hybrid use is a different story than a dedicated STR.
Pair with dwelling forms, landlord liability, and loss of rents. Browse /guides/ then Get a Quote.
Revenue seasonality and cancellation risk are not the same as loss-of-rents after a covered dwelling loss — say which worry brought you here.
A quote is not a binder. Contact timing can take 1–2 business days after a complete request.
No personal auto push. USA service-area states only.
Optional description: rental model, platform use, nights occupied, and ordinance status when known.
Put those facts in the optional quote description.
Affordable Landlord Insurance shops landlord and dwelling markets across ten service-area states.
A quote is not a binder. Contact timing after a complete request: as soon as possible; it can take 1–2 business days.
Cross-link /landlord-insurance/ state hubs and city pages across the city directory, then finish with Get a Quote on /quote/.
This topic page is landlord and rental-dwelling only — no personal auto push
Policy forms and exclusions control what attaches. Marketing copy on this page is not a policy.
If you own rentals in more than one service-area city, submit the primary property first and list other locations in the description.
Mortgagee and additional-interest requests help when you have them — note them in comments.
Prior landlord or dwelling claims should be summarized briefly in the detailed description.
Desired effective date and unit count are required on our form; the rental description field is optional.
Browse /faq/ for binder and consent questions, /accessibility/ for WCAG 2.2 AA aims, and /quote/ when you are ready to submit.
Questions
Is Short-term & mid-term rentals a binder?
No. A quote is not a binder. Coverage exists only when a carrier issues confirmation according to its rules and the policy forms it issues.
Which states can use this guide?
Quote requests are for rental properties in Washington, Oregon, Idaho, Nevada, Arkansas, Arizona, South Dakota, Pennsylvania, Texas, and Indiana.
How do I start?
Open Get a Quote, complete property fields, check consent, and optionally paste a rental description. We contact you as soon as possible; it can take 1–2 business days.
What if this product is outside your markets?
With consent, Affordable Landlord Insurance may refer your request to a partner or affiliate agency or brokerage.