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Short-Term Rental Home Insurance- San Antonio, TX and Surrounding Areas

Get the protection you need for your Airbnb, Vrbo or other short-term rental property

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Never Ending Coverage

Protecting hosts from check-in to check-out and in between renters

Personalized Service

We are committed to finding the best insurance for your unique needs

Expertise You Can Trust

Renters may come and go, but we are here for the long haul

What Our Clients Say About SOGO Insurance

SOGO Wealth and Risk Management is a pleasure to work with. This office goes above and beyond to provide the service my family and I need when searching for insurance. I would recommend to anyone.

Raul San Miguel

Wonderful people to do business with. Always friendly and very professional. It's never a burden to them when you need something, whether it's a quote or proof of insurance, they're always more than happy to assist you. I would highly recommend them.

AJP
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Renters Insurance 101

Learn more about renters insurance so you can make an informed decision on your coverage.

Renters

Personal Property

Risk Factor

Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.

Solution

Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.

Limits and Exclusions

Risk Factor

Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.

Solution

Obtain a floater. A floater is coverage that specifies the item(s) covered under the policy, the limits of coverage applicable and the deductible. This is the best solution to make sure your favorite valuable item(s) are covered in the event of a loss.

Additional Living Expense

Risk Factor

If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.

Solution

Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.

Liability

Risk Factor

You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.

Solution

Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.

Medical Expenses

Risk Factor

You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.

Solution

Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.

Landlord

Risk Factor

You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.

Solution

Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.

Improvements or Betterments

Risk Factor

Any improvements or betterments that you have made to your unit are subject to damage.

Solution

Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.

Contents Away from Home

Risk Factor

You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?

Solution

Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.

Premises Liability

Risk Factor

You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.

Solution

Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.

Property owners have a unique opportunity to efficiently rent out their entire home, a spare bedroom or other accommodations through online services known as Airbnb, Vrbo, and HomeAway. For travelers, these are convenient, web-based platforms that provide affordable and flexible alternatives to hotels. For property owners, these tools easily connect various rental unit with prospective occupants and make collecting payments simple and secure.

Short-term rental platforms are classified as business use of a house, which is normally excluded from homeowner’s insurance policies. If you want to protect yourself and your property from the misadventures of imperfect guests or unpredictable mother nature in between renters, you will need Short-Term Rental Home Insurance.

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Let’s discuss your Short-Term Rental Home Insurance.

Together we’ll design a policy to protect you, your property, and your income. We’ll walk through your options and ensure you have the coverage you need and the protection you deserve. There’s no obligation, just good-old-fashioned advice. Explore peace of mind, explore SOGO.

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1777 NE Interstate 410 Loop, Ste 600, San Antonio, TX 78217 | 210-499-5050