Short Term Vacation Rental Insurance

We offer a Berkshire Hathaway Guard Short Term Rental Airbnb and VRBO Insurance Policy. The BEST on the market!

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    We work with the best short term rental insurance company…
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    Get the Best Short Term Vacation Rental Policy

    Read our Ultimate Guide to Short Term Vacation Rental Insurance Policies for Airbnb and VRBO by clicking here.

    A+ "Superior" Rated by AM Best

    tickThe Berkshire Hathaway Guard Short Term Vacation Rental policy at Old Harbor Insurance is the top rated short term rental vacation insurance policy on the market today.

    AA "Stable" Rated by Standard and Poor

    tickAn A+ rating is "Assigned to companies that have a superior ability to meet their ongoing insurance obligations." Berkshire Hathaway is one of THE best positioned insurance providers.

    $120B+ in Cash/Cash Equivalents

    tickIf a catastrophic disaster hits, our Berkshire Hathaway Short Term Rental policy will have no issue paying for complete reconstruction of your short term rental home to give you peace of mind.

    Many discounts are also available. Click here to see the available discounts. Review the Berkshire Hathaway Policy Ratings by clicking here and here.

    Contact us to find out which policy is the best for your vacation rental home!

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    Berkshire Hathaway Short Term Vacation Rental Insurance Policy

    Our Short Term Vacation Rental Insurance Policy is backed by the most ethical and stable insurance carrier in the world, Berkshire Hathaway Guard. When it comes to protecting your home, there is no other choice.
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    Able to Cover High Fire Danger Areas

    Many companies are leaving California and areas that they’ve deemed high risk. Berkshire’s underwriting, with Ajit Jain at its head, is the best in the world. They’ve confidently released this home insurance product in California, Texas, and a handful of additional states. They are anxious to seize the select opportunities being forfeited by the competition. Click here for more information.

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    Airbnb, VRBO, Homeaway, etc. are All Acceptable

    We’re blown away at how the home sharing community has blossomed over the last decade, and we are proud to be able to offer a comprehensive insurance solution that allows that community to be appropriately protected and continue to thrive.

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    Flexible Dog Breed Acceptance

    Most carriers have extensive lists of dogs breeds they won’t accept. It’s so common we wrote an article highlighting the breed! However, Berkshire has simplified it. They don’t accept pit bulls, rottweilers, or wolves.

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    No Size Limit on
    Your House

    Due to reinsurance contract limitations, most home insurers cannot insure properties with replacement costs over $1.5 Million. There’s no shortage of these homes throughout the West, and Berkshire is aiming to address the need.

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    Service Line Protection is Available

    Service line coverage has emerged as one of the “must have” enhancements to a home insurance policy. This endorsement provides coverage for damage to utility lines connecting to your home such as electrical power, heating, waste disposal, and water.

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    Admitted Insurance

    Our short-term rental insurance providers are the best in the business. Liability lines up to $1,000,000/$2,000,000 in commercial general liability with increased liability limits available.

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    Personal Injury Protection is Available

    Contact us for more information.

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    Many home businesses are accepted.

    Contact us for more information.

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    Many Deductibles to Choose From

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    Old Harbor Insurance Services offers the best short-term vacation rental home policy for Airbnb, VRBO, and Homeaway clients!

    Short Term Vacation Rental Insurance Discounts


    New Home Purchase Discount


    Smart Home Discounts


    Automatic Gas Shut Off Discount


    Business Owner Discount


    Alarm Discount


    Sprinkler Discount

    The Best Short Term Vacation Rental Insurance

    When insuring a vacation rental, there are important details to clearly communicate with your insurer.


    It is important that the insurance company knows you will be using Airbnb, VRBO, or another application for the short-term rental of your home. Failure to correctly disclose the occupancy of the home could lead to the denial of a claim as many companies have a business use exclusion in their home insurance policy.


    Many companies will want you to have a minimum stay of two nights for all guests. If you have a minimum stay requirement, we want to know as it may help save you on your premium.


    You should consider your policy regarding animals. If you will allow animals, it’s critical you know what breeds are not covered under your policy.