Can Specialty Property Insurance Cover My AirBnB?

Texas is a hotspot for visitors. People from all over the country travel to the Lone Star state for business and recreation and those of us who already live here do a fair bit of traveling around our large state as well! It’s no surprise then that AirBnB has blown up here over the past several years. Hosting your Huntington, TX home (or a room within it) on AirBnB can be a lucrative way to make some extra cash, but it’s important to make sure that your property is protected.

But here’s the catch — that insurance that AirBnB offers? It’s more of a low-claims reimbursement program that doesn’t actually cover much. And if you have homeowners insurance, chances are your policy doesn’t cover AirBnB scenarios either. 

So, what can you do? 

At Integra Insurance Services, we’re here to help you find a coverage solution for everything that comes your way in life. And yes, that includes AirBnBs. For example, we offer specialty property insurance, which is actually exactly what it sounds like. It’s meant for properties that are special and unique!

Because specialty property insurance can often be written for rentals and vacant properties (when between tenants), this may be a good option for coverage. This kind of insurance may also be used for properties that are in non-traditional locations (like a forest or waterfront), as has become increasingly common with AirBnB properties. After all, specialty property insurance is intended for, well, special scenarios.

The exact kind of coverage you need may depend largely on factors like how often you list/rent out your AirBnB and whether or not you live on the property yourself. 

Have more questions about how specialty property insurance may be able to protect your AirBnB? Call us at Integra Insurance Services or come stop by our offices in the Huntington, TX area at your nearest convenience.