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Vacation Rental and Short-Term Home Rental Insurance

Renting Out Your Chalet or Mountain Home? Secure Proper Insurance Protection

A vacation home can not only serve as a retreat for the entire family, but also a potential income producer.

Peer-to-peer leasing is leading the short-term home rental charge, propelled by services such as Airbnb, HomeAway, and FlipKey. With these services, accommodations are easier to locate now than ever before; however, adequate insurance coverage for vacation home owners is more difficult to track down.

Whether your vacation rental business is nestled in the mountains or along the coast, the insurance professionals at TRM Insurance remain up-to-date on rental trends, such as peer-to-peer leasing, and counter risks with accurate and affordable insurance protection.

Safeguard Your Vacation Rental Business

The lucrative business of residence, vacation home, and room sharing can all come to an end with the costly ramifications of loss. Working together, we can develop an insurance strategy architected for your specific requirements, allowing you to rest assured when visitors are renting your property.

Thinking a traditional homeowners insurance policy covers a short-term rental can be an expensive mistake. If you are interested in renting out your property consistently, this may be considered a business endeavor. Homeowners insurance policies do not encompass business activities conducted on a property. To be properly safeguarded from monetary loss, renters should consult with their insurance agent.

In insurance terms, a property rented for less than 30 days at a time is considered short-term. The commercial insurance packages we tailor exclusively for short-term home rental properties can protect a wide-range of assets including, but not limited to:

  • Building(s)
  • Personal Possessions (Contents)
  • Liability
  • Business Income

Liability coverage can extend to cover swimming pools, hot tubs, watercraft, bicycles, and more. Enhanced coverage may be issued for theft or damage caused by guests. 

There are no standard occupancy restrictions on business policies, which means coverage is accessible regardless of who is enjoying the property – friends, family, or paying guests. To learn more about the protection available with short-term home rental insurance, please contact an agent.

TRM Insurance Stays Up-to-Date on Renting Trends – from Airbnb to FlipKey

When online services, such as Airbnb, found their groove, our agents monitored the risk potential for our clients. Our focus is to eliminate any gray areas in protection, ensuring insurance is solidified for all structures and assets on the residence premises.

Even after an initial policy is in place, we’ll continue checking-in to confirm coverage remains in line with your rental business. If changes in regulations occur, our agents will communicate necessary policy adjustments in a timely manner.

To begin developing a short-term home rental policy with us, request a quote at your convenience.

Additional Resources:

At TRM Insurance, we’re proud to provide vacation rental and short-term home rental insurance in Chattanooga, Cleveland, Murfreesboro, Tullahoma, Dalton, and LaFayette, GA. We’re licensed to serve Tennessee, Alabama, Mississippi, Georgia, Kentucky, South Carolina, North Carolina, and more.

Our Location

TRM Insurance

107 Tampa Street
Chattanooga, TN 37405
Main office: 423-756-4336
Fax: 423-752-8046

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.