Renting on Airbnb or VRBO?
Your HO Policy Won't Cover It.

AirCover is Airbnb's host guarantee program — not an insurance policy. It has significant exclusions, coverage caps, and a claims process entirely controlled by Airbnb. It does not replace proper liability insurance, doesn't cover all types of property damage, and provides no protection for incidents that Airbnb disputes. It should be considered a supplement to, not a replacement for, real STR insurance.

Potentially — and the consequences can be serious. If you file a claim and your carrier discovers you were operating a short-term rental without disclosure, they can deny the claim and non-renew your policy. The right approach is to disclose the rental activity and get properly covered, which is often less expensive than most homeowners expect.

Cost varies based on the property value, rental frequency, location, and coverage limits. For most SC short-term rental properties, properly endorsed or standalone STR coverage runs $800–$2,000/year. Given the liability exposure from hosting paying guests, this is one of the highest-value insurance decisions a host can make.

Yes — even occasional rental creates liability exposure that standard HO policies exclude. A guest injured during a single rental weekend can generate a lawsuit that your HO policy won't cover. The good news is that endorsements for occasional rental are typically very affordable — often just $100–$300/year added to your existing policy.