Real carrier recommendations from independent insurance agents who have successfully placed Airbnb hosts and short-term vacation rentals.
Finding the right carrier for Airbnb hosts and short-term vacation rentals is one of the most common challenges independent insurance agents face. Based on 22 real placement discussions from working agents, this guide summarizes which carriers are writing this class of business, what underwriting hurdles to expect, and which states have the most active markets.
Standard homeowners policies typically exclude commercial rental activity. Airbnb's host protection has coverage gaps, and finding a carrier that covers the rental exposure without voiding the underlying policy is the key challenge.
The carrier recommendations below aren't theoretical — they come from agents who have actually bound coverage for Airbnb hosts and short-term vacation rentals. The most frequently mentioned carriers are OPENLY, Openly, State Auto, Foremost, Citizens. Scroll down for the full list, state-by-state breakdowns, and detailed agent discussions.
These carriers are most frequently recommended by agents for placing Airbnb hosts and short-term vacation rentals. Rankings are based on how often agents mention each carrier in successful placement discussions.
Our analysis of 22 placement discussions reveals patterns that can help agents place Airbnb hosts and short-term vacation rentals more efficiently:
Data sourced from 22 verified agent discussions. Updated daily as new discussions are captured.
This matrix shows which carriers have been recommended by agents for Airbnb hosts and short-term vacation rentals in specific states. Data is based on 22 real placement discussions — a ✓ means at least one agent has reported placing this risk with that carrier in that state.
| Carrier | OH | LA |
|---|---|---|
| OPENLY | ✓ | — |
| Openly | ✓ | — |
| Citizens | — | ✓ |
Based on 22 agent discussions. Carrier availability may vary — always verify with the carrier or your wholesaler. Last updated: June 02, 2026.
Agents in these states have shared placement experiences for Airbnb hosts and short-term vacation rentals.
Real conversations from independent insurance agents about placing Airbnb hosts and short-term vacation rentals. Each discussion includes the original question and agent replies with carrier suggestions.
Based on 22 agent discussions, the most frequently recommended carriers for Airbnb hosts and short-term vacation rentals include OPENLY, Openly, State Auto, Foremost, Citizens. Carrier availability varies by state and specific risk characteristics. Surplus lines markets may offer additional options when admitted carriers decline.
Standard homeowners policies typically exclude commercial rental activity. Airbnb's host protection has coverage gaps, and finding a carrier that covers the rental exposure without voiding the underlying policy is the key challenge.
The states with the most agent discussions about placing Airbnb hosts and short-term vacation rentals are Utah, Texas, Florida, Missouri, Mississippi. Coverage availability and pricing can vary significantly by state due to regulatory differences and local market competition.
Start by contacting the carriers most frequently recommended by agents: OPENLY, Openly, State Auto, Foremost, Citizens. Many agents also report success through wholesale brokers and MGAs who specialize in this class. The 22 discussions on this page include specific agent experiences with quoting and binding coverage.
It depends on the state and specific risk details. Some admitted carriers do write Airbnb hosts and short-term vacation rentals, but many agents report needing to access surplus lines or specialty markets. States like Utah, Texas, Florida tend to have more carrier options based on agent discussions.
Typical coverage needs include general liability, property, and often workers compensation. Depending on the specific operation, agents also discuss commercial auto, professional liability, inland marine, and umbrella coverage for Airbnb hosts and short-term vacation rentals. Review the agent discussions below for specific coverage recommendations.
The carrier recommendations on this page come from 22 real discussions between independent insurance agents with 3 agent replies. Every data point originates from a verified agent community — not marketing materials, carrier websites, or AI-generated content. Data is captured daily and this page was last updated on June 02, 2026. Read our full methodology.