If you host on Airbnb or VRBO in Little Rock, you need insurance written for a short-term rental, not just a homeowners policy. Paying overnight guests turn the property into a business, most personal and standard landlord policies weren't written for that, and the platform's "host protection" is a backstop, not your policy.
Homeowners assumes you live there. A standard landlord policy assumes a long-term tenant on a lease. Paying guests who change every few days are a different, more commercial risk, and a carrier can deny a guest-related claim that falls outside what the policy was written for.
Airbnb's and VRBO's host protections offer some liability and damage coverage, but they're limited, secondary, and full of conditions. They are a backstop, and they can leave your building, your income and your personal liability underprotected.
The structure, the contents you provide, lost rental income, and liability for guest injuries, built around the way short-term rentals actually operate, whether you call it a short-term, vacation or short-stay rental. Some carriers offer policies or endorsements made for short-term rentals. See our landlord insurance page.
Short-term rental rules are mostly set city by city, so Little Rock, North Little Rock, Conway, Hot Springs, Benton and Paragould can each treat the same property differently. Some cities require a registration or permit before you take a booking, and some ask for proof of liability insurance as part of that. Check with the city the property sits in before the first guest arrives. The permit question and the insurance question usually come up together.
If you host travel nurses or contract workers on thirty, sixty or ninety day assignments, that length of stay sits awkwardly between a short-term rental policy and a landlord policy, and which one responds can depend on the wording rather than on what you call it. If your bookings routinely run past a month, say so when you ask for a quote. It changes the answer.
An older house used as a short-term rental runs its plumbing, wiring and heating and cooling far harder than an owner-occupied home: more guests, more laundry, more thermostat changes. Water damage is the claim that shows up. Worth reading how a policy separates a sudden burst from a slow leak, because an unoccupied gap between bookings is exactly when nobody hears it.
One caution: don't run a short-term rental on a homeowners policy. If you have a claim, the adjuster will ask how the property was used.
Usually not for regular, paid hosting. A homeowners policy is written for a home you live in, and many limit or exclude renting it to paying guests. Some carriers sell a home-sharing endorsement for occasional hosting, so ask before you rely on it.
No. It is a backstop with limits and conditions, built around bookings on that platform. It is not a property policy for your building, so a storm, a fire or a burst pipe with no guest involved sits outside what it is for.
Tell us when you ask for a quote. Stays of a month or more, like travel nurses and contract workers, can fall between a short-term rental policy and a landlord policy, and the policy wording decides which one responds.
The owner's. If your LLC owns the property, the LLC should be the named insured, not you personally. Our guide to insuring a rental owned by an LLC explains why it matters.
Yes. We quote short-term rental coverage anywhere in Arkansas, from Little Rock and North Little Rock to Hot Springs, Conway, Benton and Paragould. Permit rules differ by city, so tell us where the property is.
Yes. City Insurance Plus is licensed in Arkansas and Minnesota, and we quote short-term rental coverage in both states. The coverage questions are the same; the permit rules depend on the city.
It depends on the property, where it is, how often it is booked and the limits you choose, so there is no honest single number. Send us the address and how you list it, and we will quote it.
Tell us the property and how you list it, and we'll quote coverage that actually fits an STR.
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