Florida’s booming tourism industry has made short-term rentals—like those listed on Airbnb, Vrbo, and other vacation platforms—a popular and profitable investment. Whether you’re renting out a beachfront condo in Clearwater or a Disney-area villa in Kissimmee, having the right insurance coverage is crucial to protecting your property, your income, and your peace of mind.
At Singh Insurance and Financial Services, we specialize in helping Florida property owners navigate the complex world of short-term rental insurance. Whether you own your property personally or under a business name (LLC, Trust, or Corporation), we can help you find the right coverage to stay protected and compliant.
Why Standard Homeowners Insurance Isn’t Enough
Many property owners are surprised to learn that their standard homeowners or landlord policy may not cover short-term rental activity. Once your home becomes a place of business—even occasionally—it carries new risks:
- Property damage caused by guests
- Liability if a guest is injured on your property
- Loss of income due to covered damages
- Vandalism or theft
Without the proper policy, you may be left footing the bill.
What Short-Term Rental Insurance Covers
Specialized short-term rental insurance bridges the gap between personal and commercial use. The right policy may include:
- Property Protection: Covers the dwelling, furnishings, and contents against risks like fire, water damage, or theft.
- Liability Coverage: Protects you if a guest is injured or if there’s damage to a neighboring property.
- Loss of Rental Income: If your property becomes uninhabitable due to a covered loss, you can recover lost income.
- Guest Caused Damage: Some policies offer protection if guests damage your property intentionally or negligently.
We Insure All Types of Owners
At Singh Insurance, we make it easy for all types of owners to get covered:
Individually owned properties
Properties held in the name of an LLC, Trust, or Corporation
Homes, condos, duplexes, and vacation rentals
We understand the Florida market—its regulations, weather risks, and unique insurance landscape—and we work with top carriers to find policies that meet both your needs and your budget.
Local Experience, Personalized Service
With offices in Orlando, Clermont, and Lake Mary, we serve property owners across Central Florida and beyond. Whether you’re renting out your second home or managing multiple short-term rentals, we’re here to help you protect your investment and your future.