Airbnb & Short-Term Rental Insurance in Florida – The Marcus Group

Why Short-Term Rental Insurance Matters in South Florida

Renting out your home, condo, or vacation property through Airbnb, VRBO, or other platforms can be a great income stream — but it also exposes you to risks not covered by standard homeowners insurance. Damage caused by guests, liability claims, and income loss require specialized short-term rental coverage.


At The Marcus Group, we provide Airbnb and short-term rental insurance in Florida, ensuring your property and income are protected while you host with confidence.

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Short-Term Rental Insurance

What Our Short-Term Rental Insurance Covers

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Property Damage

Protects against damage caused by guests, whether accidental or intentional.

Liability Protection

Covers medical and legal expenses if a guest is injured on your property.

Loss of Income

Compensates for lost rental income if your property becomes uninhabitable due to a covered loss.

Protects your furniture, appliances, and personal belongings inside the property.

Contents Coverage

Vandalism & Theft

Coverage for stolen or damaged property caused by tenants or guests.

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Common Add-Ons & Options

House submerged in water, protected by shield with checkmark.

Flood Insurance Add-On

Essential for South Florida rental properties, since flooding is not covered by homeowners or rental insurance policies.

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Hurricane & Windstorm Protection

Extra coverage for hurricane-related damage common in Broward, Palm Beach, and the entire state of Florida.

Three people under an umbrella.

Enhanced Liability Coverage

Higher liability limits for landlords renting to frequent or multiple guests.

Who Needs Short-Term Rental Insurance in Florida?

  • Airbnb Hosts – Protecting condos, homes, or rooms rented through the platform.

  • VRBO & Vacation Rental Owners – Coverage for short-term vacation stays.

  • Secondary Homeowners – Renting out properties part-time for extra income.

  • Investment Property Owners – Covering properties rented seasonally to guests.

Local Risks to Consider

Short-term rentals in South Florida face added risks beyond normal homeowners policies:



  • Guest-Related Damage – Accidental or intentional property damage.

  • Hurricanes & Flooding – High risk for properties near the coast.

  • Liability Claims – Injuries on rental property leading to lawsuits.

  • Income Loss – Properties uninhabitable after storms or accidents.

FAQs – Airbnb & Short-Term Rental Insurance in Florida

  • Does my homeowners insurance cover short-term rentals?

    No. Standard homeowners insurance excludes coverage when renting to paying guests.

  • Does Airbnb’s Host Guarantee replace insurance?

    No. It’s not a substitute for insurance and has many exclusions. You still need proper coverage.

  • Can I get flood insurance for my Airbnb property?

    Yes. We provide NFIP and private flood coverage for South Florida rentals.

  • Do I need special liability coverage as a host?

    Yes. Short-term rental insurance extends liability beyond what homeowners insurance provides.

  • Can I insure multiple rental properties?

    Yes. We can create tailored coverage for multiple short-term rental homes or condos.

Protect Your Rental Property with Confidence

Get the Right Airbnb & Short-Term Rental Insurance in  Florida

At The Marcus Group, we’ve helped South Florida homeowners and investors protect rental properties for decades. With tailored coverage for Airbnb, VRBO, and seasonal rentals, we’ll make sure your property and income stay secure.