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Updated about 3 years ago on . Most recent reply

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Vincent Sun
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11
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Homeowner insurance for Airbnb use case

Vincent Sun
Posted

Hello! I have a 3bedroom single family house that is used as an Airbnb listing, I had a Safeco homeowner insurance which my agent told me it can cover the short term rental. However recently I reviewed my policy and found the following language in the exclusion section which is quite confusing. I would like to see if anyone could bring more clarity or had similar questions before:

My questions:

-- what does "in part" exactly mean here?
-- If I list **the whole 3Bedroom house** (not the room separately) on Airbnb while I am not living inside, and rent it to the same group of 6 guests (they are friends but not same family). Will this still be considered as "exclusive use as a residence" or will it trigger the exclusion term c. (2) (b) because there are more than two roomers?

Thanks.

Here are the exclusion terms

Premises Liability do not apply to bodily injury or property damage: 

c. arising out of business pursuits or employment of any insured. This exclusion does not apply to:

(2) the rental or holding for rental of an insured location: 

(a) for the exclusive use as a residence

(b) in part, unless intended for the exclusive use as a residence by more than two roomers or boarders;

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