Colorado Short-Term Rental & Airbnb Insurance
Airbnb's host protection is not an insurance policy you control, and most homeowners and landlord policies exclude short-term rental activity. Whether you rent one spare condo or run a portfolio of STRs, we place occupancy-correct coverage that actually matches how your property earns.
What STR coverage has to solve
Short-term rental risk is commercial hospitality risk happening inside a residential property. The right program admits that instead of hiding from it.
- Property coverage that knows about guests: theft and damage by guests, accidental and intentional, handled by form rather than by argument.
- Commercial-grade liability for guest injuries, with limits that respect hot tubs, decks, and mountain stairs.
- Loss of rental income based on your actual booking revenue, not a generic rent estimate.
- Occupancy flexibility: programs that allow mixes of owner use, short-term guests, and longer tenants without voiding coverage.
- Liquor and amenity exposures addressed where your listing creates them.
One door used part-time sits close to our landlord and rental property world. A portfolio of STRs is an investor program conversation. We work both sides of that line every week.
Platform protection is not enough
Airbnb's AirCover and similar programs are conditional, capped, and run by the platform's interests, not yours. Treat them as a supplement. Your own policy answers to you.
Local rules matter
Colorado mountain towns and Front Range cities license STRs differently, and some require liability proof. We issue what your jurisdiction asks for and keep it current.
Honest occupancy, durable claims
The fastest way to a denied claim is a policy that thinks your STR is a primary home. Occupancy-correct placement is the entire point of a specialty STR program.
Short-term rental FAQs
I only rent a few weekends a year. Do I really need special coverage?
Check your homeowners policy's business activity and rental exclusions: even occasional hosting can void coverage during stays. Some carriers offer home-share endorsements for light use; heavier use needs a true STR policy. We will match the product to your actual calendar.
What liability limit should an STR carry?
We typically recommend $1M, with an umbrella over it for owners with meaningful assets or amenity-heavy properties. Guest injury claims at STRs settle like hospitality claims, not houseguest claims.
Can you cover an STR that also has long-term tenants sometimes?
Yes. Mixed-occupancy programs exist for exactly this. The key is disclosing the real pattern so the form matches the use year-round.
Are Airbnb damage waivers and AirCover enough protection?
They help with guest damage but are conditional, capped, and platform-controlled, and they do nothing for serious liability claims. Treat platform protection as a supplement to a real policy, never the policy.
Do Colorado cities require insurance for STR licenses?
Several mountain towns and Front Range cities require liability proof with license applications or renewals. We issue exactly what your jurisdiction asks for and track the renewal dates.
Can I stack an umbrella over my short-term rental?
Yes, with an umbrella carrier that accepts STR exposure and the underlying policy disclosed correctly. For amenity-heavy properties, hot tubs and all, we strongly recommend it.
What revenue documentation helps my quote?
Platform statements showing nightly rates and occupancy. Income coverage built on real booking revenue pays meaningfully better after a loss than generic rent estimates.
Get your STR quote
Listing link, booking revenue, and how you actually use the property. We will do the rest.