top of page
RTA Website- Cover.png

Short-Term Rental Insurance

Short-Term Rental Insurance That Protects Your Space and Your Guests
 

Whether you're renting out a spare room or listing an entire property on Airbnb, The Rivertown Agency in Columbus, GA is here to help you get the right insurance coverage. We specialize in Airbnb insurance for Georgia and Alabama hosts, so you can rent with peace of mind—knowing you're protected from unexpected costs and liabilities.

What Is Short-Term Rental Insurance?

Short-term rental insurance is designed specifically for Airbnb and VRBO rental hosts who list their homes, apartments, or rooms on their platforms. Traditional homeowners or landlord insurance often doesn’t cover short-term guest stays, which leaves gaps in protection.

That’s where short-term rental insurance comes in. It fills those gaps, offering custom coverage for short-term rental risks.

Why Do Airbnb Hosts Need

Special Insurance?

While the hosting platform (Airbnb, VRBO, etc) offers a Host Guarantee and Host Protection Insurance, these programs have limits and exclusions. They’re not the same as having your own dedicated policy. With our coverage, you’ll have real protection—backed by a licensed insurance agency who understands local laws and property risks.

What Does Short-Term Rental Insurance

Typically Cover?

Here’s what most short-term rental insurance policies can protect you against:

  • Dwelling Coverage

Covers the structure itself—including walls, roof, and any fixtures or fittings that belong to you, the landlord. It provides protection against damage from fire, storms, busted pipes, and other common risks.

  • Contents Coverage

Protects any furnishings, appliances, or equipment you provide in the rental.

  • Liability Protection

Helps cover legal or medical expenses if a tenant or visitor gets injured on your property and you’re deemed to be held responsible, up to the policy limits.

  • Loss of Rent

Reimburses you for lost rental income if your property becomes unlivable due to a covered event.

Optional Add-ons

We can also help you add coverage for:
​

  • Water back-up coverage from septic/sewage

  • Service line coverage

  • Additional mold coverage

  • Extra coverage for high-value items

  • Key or lock replacement

What Isn’t Covered?

Short-term rental insurance does not cover:
 

  • Flood- rising waters or water coming in from outside the house from weather events

  • Earthquake or earth movement

  • Your tenant’s personal belongings

  • Wear and tear from everyday use

  • Illegal activity on the property (unless liability is proven)

  • Mold from long term leaks

  • Termite damage

Why Choose The Rivertown Agency?

✅ Based in Columbus, Georgia
✅ Serving Airbnb and VRBO hosts across Georgia and Alabama
✅ Local agents who understand short-term rental laws
✅ Personalized quotes and policy guidance
✅ Fast claims assistance and dependable customer service

Apartment Interior with Red Accents

Rent Smarter—Get Airbnb Insurance That Works for You

Don’t rely on Airbnb alone to protect your property. Get full coverage and peace of mind with help from The Rivertown Agency.

(706) 530-0606
3100 Gentian Blvd, ​Suite 18B
Columbus, GA 31907​

Disclaimer: The information provided on this website is for general informational purposes only and is not intended to serve as legal, financial, or insurance advice. Coverage descriptions and policy features mentioned are broad summaries used to help explain general insurance concepts and may not apply to all policies or clients. Coverage availability, limits, exclusions, and conditions vary by insurance carrier and individual policy. Statements made are general in nature and are intended to simplify coverage explanations. Always refer to your individual insurance policy for specific terms, conditions, coverage limits, and exclusions. If you have questions about your coverage, please contact your licensed insurance agent.

bottom of page