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Short-Term Rental Insurance in North Carolina
Fast, affordable coverage from one of the best-rated short-term rental insurance services in North Carolina
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Why you need short-term rental insurance in North Carolina
There is plenty of opportunities to be a landlord in North Carolina, with almost half of the housing population renting (45%). The most common natural disasters in North Carolina are:
- tropical storms and hurricanes
- severe storms, floods
- wildfires
- winter storms
- tornadoes
- landslides
From 1953 to 2019, there have been 65 major declared disasters in the state. Check today to see how we can cover your property!
Who is short-term rental insurance for?
Short-term rental insurance protects your investments when they are rented as a vacation rental, AirBnB, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:
Legal liabilities
Fire and water damage
Financial protection against natural disasters
Protection for your furnishings
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Short-Term rental insurance coverages in North Carolina
Your insurance policy can cover a wide range of risks, or you can choose a limited set of coverages for a lower premium.
Fire
Because of modern safety codes, fires have become rarer, but the fires that do start tend to cause total destruction of the property.
Water
Broken pipes and appliance leaks are the most common and overall the most expensive property damage for rental properties.
Windstorm, hail, & lightning
Roof damage from storms has become increasingly common as the intensity and frequency of storms have increased over the last two decades.
Lawsuits
Liability protection covers the cost of defending you and settling claims from tenants and their guests for injuries sustained on your property.
Riot and civil commotion
When violent protests break out, riot coverage can pay to fix property damage caused by looters and protestors.
Vandalism & theft
Malicious mischief coverage, as it’s known, covers repairs to broken glass, graffiti removal, and replacement of stolen or damaged property like shared washing machines.
Injury
Injury protection can keep you from getting stuck with the cost of medical bills if a tenant or visitor gets injured on the property.
Bonus coverages
Many policies also include coverage for a long list of other perils such as riots or civil commotion, explosions, volcanic eruptions, and damage caused by vehicles.
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