Please Advise a New Host ( Read till the end)

[Maria Molu]

Hi everyone,

I’d really appreciate some guidance from experienced hosts regarding insurance for a short-term rental setup.

I’m currently supporting a new host who is about to launch her first Airbnb property. Just to clarify, she does not own the property — it’s a rental that will be used for short-term rental (Airbnb arbitrage) across platforms like Airbnb, VRBO, and Booking.com.The property is located in Kissimmee, Florida (ZIP 34747), about 15–20 minutes from Disney World. We’re trying to make sure everything is properly covered before launch, and I have a few questions:

1. Is it standard to have both renter’s insurance and a separate short-term rental insurance policy, or can one policy cover everything?

2. For STR insurance, we've been looking into Proper Insurance. For renter's insurance, we've come across Steadily and Goosehead Insurance.

Has anyone used any of these?

What has your experience been?

3. The landlord is requiring renter’s insurance.

In this case, is there a policy that can:

• Satisfy the landlord’s requirement

• Cover short-term rental activity Include protection for furniture and guest-related liabilities?

4. Would you advise starting with just Airbnb AirCover for now, or is that too risky?

The host is trying to keep costs low since this is her first property, but at the same time, she wants to operate safely and responsibly. Just to note: I'm not the property owner, I only assisted in sourcing the property for Airbnb arbitrage. I'm gathering insights to help her make an informed decision. For those with experience in STR insurance, what would you recommend as the safest and most practical approach in this situation?

Thank you in advance for your help. 

[William Defee]

Hi Maria, I do not have experience with subletting, but I do have experience using both Steadily and Goosehead Insurance for my STR's. Goosehead is a brokerage that will help you find the best policy for you and one of the providers they use is Steadily. If Steadily offers a product specifically for arbitrage properties, it may be worth looking into them directly.