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.

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.

Renters Insurance 101

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

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.


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.




Risk Factor

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



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.


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?


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.


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.


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.




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.


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.


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.


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.


Improvements or Betterments


Risk Factor

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


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

or home.


Personal Property


Risk Factor

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


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 & 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.


Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to

replace them.


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.

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.