Insurance Coverage and AirBnB

Today, travelers are not limited to hotels when they are traveling out of town for business or pleasure. Options of homes with breathtaking views that overlook city skylines, glamorous boats on popular harbors and luxurious tree houses with fireplaces and hot tubs now are available to travelers for a unique place to stay.


These new options are brought to you by the company AirBnB, a home sharing service, which promises that you can travel with confidence. Becoming a host to these travelers can be an exciting and lucrative idea, especially if you have empty rooms in your home or apartment or a vacation home sitting empty.

However, before you open up your doors and let these travelers in, it is a great idea to make sure that you have the correct coverage to start this new business venture, so you don’t end up like AirBnB host, EJ.

“I returned home from an exhausting week of business travel to an apartment that I no longer recognized. To an apartment that had been ransacked,” said EJ in her blog that was featured in the Huffington Post. “…I slowly swung the door open as both a pungent odor and the full realization of what had occurred washed over me: this wasn’t just a random break-in. My home had been burglarized, vandalized and thoroughly trashed by a “traveler” I connected with via the online rental agency, airbnb.com.”

According to data from Pew Research Center, roughly one in 10 Americans has used a home-sharing service at some point. So opening up your home, spare bedroom or vacation house can be a popular idea to make a few extra dollars each month. However, like EJ’s story, it comes with the risk of your guests being less than respectful to your home and personal possessions.

Ross Insurance Agency will help guide you in finding the right insurance to fit all of your needs before you get stuck in a sticky situation.

Typically, homeowner’s insurance is designed to cover the cost of repairing damage to your home caused by fire, wind or certain other natural disasters like hurricanes or earthquakes. Generally, homeowner’s insurance offers personal liability protection in case someone is injured while on your property. However, the normal homeowner’s policy may not cover certain aspects of home sharing risks.

The dedicated service agents at Ross can help provide insight on your current homeowner’s policy so that even if you’re renting your home just once you would not jeopardize your coverage if something went wrong. We would love to talk to you about what is and isn’t included in your policy, this can help you determine what’s needed to fill the gaps to make sure that you are protected and insured.

Working with our insurance team will give you a good understanding of what risks you face, and which ones you want to cover with insurance. Ross Insurance Agency is a Lancaster, PA based insurance company that analyzes your exposures to protect your assets and your livelihood from potential disaster …all with a smile.

Contact Ross Insurance today to make sure your coverage is up-to-date in all aspects of your life. Click here to make an appointment today or call (717) 397-4729 to speak with a Ross agent.