How does Air-bnb-ing my home affect my coverage?

Using your home for short-term rentals through platforms like Airbnb, Vrbo, or similar services typically impacts your standard homeowners insurance coverage.

Currently, this type of activity is generally considered Business Use. Therefore, a standard homeowners insurance policy would not provide coverage for claims related to this short-term rental activity (such as property damage caused by renters or liability if a renter is injured).

AAA does offer commercial and business insurance policies that can provide appropriate coverage for this type of use. We recommend discussing your specific rental activities and insurance needs with a professional.

Please contact a AAA Insurance Agent to explore suitable business or commercial insurance options.