Can I Purchase Tenant Insurance for a Short-Term Rental?

🏠 If you're temporarily living in an Airbnb, VRBO, vacation rental, or another short-term rental, you may be wondering if you can purchase tenant insurance.

The answer depends on the type of property you're renting and whether it's your primary residence.

When can I purchase tenant insurance?

Group Tenant Insurance is intended for your primary residence—the place where you normally live.

If you're renting a home, apartment, condo, or similar property as your primary residence, you may be eligible to purchase coverage.

What about Airbnb or vacation rentals?

Short-term accommodations such as:

• Airbnb
• VRBO
• Vacation rentals
• Hotels
• Motels

are generally not eligible for Group Tenant Insurance because they aren't intended to be your permanent residence.

What if I'm staying there for an extended period?

If you're living in a short-term rental while relocating, renovating your home, or waiting to move into a permanent residence, eligibility may depend on your specific situation and the length and purpose of your stay.

If you're unsure whether the property qualifies, contact our Support team before purchasing a policy.

Updated on: 06/07/2026