Covers your property structure against fire, windstorm, and other covered perils. Short-term rental properties need commercial-grade dwelling coverage that accounts for the higher occupancy and wear associated with vacation rental use.

Covers bodily injury and property damage claims from guests — slip and falls, injuries from property defects, and other incidents involving paying guests. Guest liability is a critical coverage for all Central Oregon short-term rentals.

Covers lost rental income if your Central Oregon property is damaged and unavailable for bookings. For short-term rentals in popular areas like Bend and Sisters, lost rental income can be substantial during peak seasons.

Covers furniture, appliances, linens, and other items you provide for guests. Short-term rental contents coverage is different from standard personal property coverage — it accounts for the commercial use of your furnishings.

Covers damage or theft by guests or third parties. While most short-term rental guests are responsible, vandalism and theft do occur. Dedicated short-term rental coverage provides protection that standard homeowners policies exclude.

Platform host protection programs (Airbnb AirCover, VRBO) provide some liability coverage, but they have significant gaps and exclusions. A dedicated short-term rental insurance policy fills these gaps and provides comprehensive protection.