Renting out your home or apartment on platforms like Airbnb or Vrbo has become very popular in Texas, especially in cities and tourist areas. However, this type of rental carries different risks than a traditional lease. Having the right insurance for short-term rentals not only protects your property but also allows you to operate legally and avoid financial losses.

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## What Does Short-Term Rental Insurance Cover?

This type of insurance is designed for properties used for vacation rentals, where different guests stay regularly. Key coverages include:

* **Structural and material damages**: fires, water leaks, weather events, vandalism.
* **Theft or burglary**: protection of furniture and appliances inside the property.
* **Guest-caused damages**: coverage if temporary tenants cause accidental damage.
* **Liability protection**: in case a guest suffers an accident and files a claim.
* **24/7 assistance**: services to handle emergencies that may affect a guest’s stay.
* **Loss of rental income**: coverage for the days you cannot rent the property due to a covered event.



## Why Do You Need a Specific Policy for Short-Term Rentals?

Not all insurers in Texas cover vacation rentals under a standard homeowners or landlord policy. If you don’t disclose the short-term rental use, the insurer can deny claims.

A specific policy ensures:

* Legal clarity and transparency with your insurance provider.
* Coverages tailored to high guest turnover.
* Stronger protection in case of legal claims.
* Better hosting experience for both you and your guests.



## What to Consider When Choosing Your Policy

When comparing short-term rental insurance in Texas, keep in mind:

* Clear disclosure of commercial or vacation rental use.
* Guest-caused damages coverage.
* Liability limits of at least \$300,000, especially for high-traffic properties.
* Deductibles and waiting periods.
* Options for loss of income or booking cancellations.



## How Much Does It Cost?

The price varies depending on:

* Location of the property.
* Value of the home and its contents.
* Type and number of guests.
* Level of coverage and services included.

On average, short-term rental insurance in Texas ranges from **\$150 to \$300 per year**. Choosing the right insurer with specialized coverage is essential, since a traditional policy may not apply and can even be invalidated.

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## Conclusion

Getting short-term rental insurance in Texas is a smart decision. It prevents financial losses, provides legal protection, and gives peace of mind to both hosts and guests. With tailored coverage, your property and income are secure against unexpected events.

Do not wait for a problem to happen. Protect your rental property today with a flexible, specialized policy. Start now and **[compare the best rates](https://www.usa.compare/)** in minutes.



¿Cómo asegurar un apartamento turístico?

The Best Home Insurance for Short-Term Rental Properties in Texas

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