This question comes up all the time so I thought I should shed some light on this topic of AirBnB.
Q: Is it a good idea to rent out my house, condo, apartment, or tiny home through a service like AirBnB or VRBO?
A: The insurance company that writes your policy certainly will have concerns with this business exposure being conducted on your premises. This is an exposure to your policy that you are currently not paying for. Most homeowners and renters policies do not provide coverage for business use. The personal property inside your home could be subject to no coverage for theft or damage. Your liability coverage may not protect a renter of your premises if they are injured.
Your best bet, before moving forward with renting out your home, is to check with your insurance carrier. They will be able to tell you if there is any coverage available for this situation. And as always feel free to contact us if you have any questions about this or any other topic.