Do you rent your property out through AirBnb or VRBO?

Many property owners assume their current homeowners or landlord policy automatically covers short-term rentals, but that’s often not the case. Hosting paying guests can create entirely different exposures, from guest injuries and property damage to lost rental income and liability concerns that a standard policy may not fully address.

While platforms like Airbnb and VRBO do offer built-in host protection programs, those protections are typically secondary, limited in scope, and may come with exclusions or restrictions that leave important coverage gaps. On the flip side, some property owners may actually be paying for coverage that doesn’t align with how the property is being used—meaning you could be underinsured or overinsured without realizing it.

At Lewes Insurance, we help property owners make sure their coverage matches their reality. Whether you rent your property occasionally, seasonally, or year-round, we can review your current policy and help you find coverage designed for short-term rentals—so you can protect your property, your income, and your peace of mind.