At Griffith Insurance LLP in West Chester, PA, we are committed to helping you safeguard your rental apartment or home. If you’re not planning to stay in your rental for an extended period, you might question the necessity of renters’ insurance and whether it would be beneficial. While every renter’s insurance policy has unique terms and limits, renter’s insurance may or may not cover a short-term rental, as we’ll delve into further below.

Defining Renter’s Insurance

Renter’s insurance covers rented apartments and houses from the tenant’s perspective. This differs from homeowner’s insurance, which covers a property owned for residential use, and landlord’s insurance, which is the landlord’s responsibility to purchase to cover a property rented out to tenants. Every renter’s insurance policy is unique, but most might cover some combination of liability, theft, and property damage. While deciding which policy is suitable for your renting situation may seem confusing, our agents are adept at distinguishing these policies.

Does Renter’s Insurance Cover Short-Term Rentals?

Renter’s insurance may or may not cover short-term rentals. It depends on the situation and specifics of the policy. Most standard rental insurance policies might not cover short-term rentals. However, there may be specific policies designed to cover short-term rental properties. The only way to know for sure is to consult with a qualified insurance professional at our office who can guide you through your options and discuss how you might be able to obtain coverage for your specific situation as a tenant in a short-term lease.