No, most standard homeowners policies exclude coverage for short-term rentals. Through Riseson Insurance, our partnered carriers offer short-term rental add-ons that protect your property, furnishings, and income from guest-related damages or liability claims while you host in Arizona.

Policies available through Riseson can include guest damage protection and theft coverage for your personal property. From broken appliances to missing décor, you’re reimbursed so your desert-charm retreat stays guest-ready.

Riseson partners with carriers that provide enhanced liability limits tailored for short-term rentals, covering medical payments and legal defense costs if a guest is injured on your property keeping your investment secure.

As an independent Arizona agency, Riseson Insurance provides more than just quotes we deliver protection for your investment.

With Riseson, You’ll Get:

✅ Coverage designed specifically for Airbnb, VRBO, and short-term rentals

✅ Access to top-rated carriers for competitive pricing

✅ Guidance from local Arizona insurance professionals

✅ Bundle options for your auto, home, or umbrella coverage

✅ Fast service and dedicated claims support

We don’t work for one insurance company we work for you.

Standard homeowners policies often exclude coverage when you rent your home to others. A dedicated short-term rental policy fills those gaps with protection designed specifically for hosting.

Our policies can include:

Building & Property Coverage – Protects the structure, fixtures, and furnishings of your rental home.

Personal Property Coverage – Covers items you provide for guest use, such as appliances, linens, or décor.

Commercial Liability Coverage – Protects you if a guest is injured on your property or sues for damages.

Loss of Income Coverage – Reimburses lost rental income if a covered claim (like fire or storm damage) makes your property uninhabitable.

Vandalism & Theft Coverage – Covers guest-related damage or stolen property not covered by Airbnb’s host guarantee.

Short-term rentals operate in a unique space between personal and commercial property use.

Common scenarios not covered by standard homeowners insurance include:

A guest damages your furniture or flooring during a weekend stay.

A pipe bursts while your property is rented out, and you lose weeks of income.

A guest slips on the pool deck and files a lawsuit.

Without the right coverage, these situations could cost thousands out-of-pocket.

Short-term rental insurance bridges that gap by covering your property, income, and liability when your home becomes a business.

As a local Arizona agency, we understand the exposures that come with renting out homes in the Valley:

Monsoon damage from wind or rain infiltration

Pool and outdoor liability common in Scottsdale and Chandler homes

Wildfire exposure near foothill properties

High guest turnover in tourist-driven markets like Tempe and Gilbert

We’ll help you tailor coverage that fits your property’s location, occupancy frequency, and rental platform.

We proudly insure short-term rentals in:

Scottsdale, Arizona

Tempe, Arizona

Chandler, Arizona

Gilbert, Arizona

Surrounding communities across Maricopa County