Guesty Liability Coverage
Effortless liability coverage for stress-free hosting
Safeguard your property against rental-related incidents with Guesty's comprehensive liability coverage, ensuring confidence with every reservation.
Seamless, straightforward insurance
Simplified operations
Consolidate your insurance operations within a single, user-friendly platform, streamlining your workflow and saving time.
Designed for hospitality
Benefit from robust coverage that addresses the unique challenges of the short-term rental industry.
Proactive risk management
Shield your business from risks exposure and financial losses due to unforeseen guest incidents.
Comprehensive insurance with Guesty Liability Coverage
$1M plan coverage
Feel secure with extensive coverage and a substantial $1 million maximum policy limit.
Effortless & intuitive claims processing
Easily file and manage your claims with minimal paperwork via our user-friendly online platform.
Accidental injuries
Protect yourself from the risks associated with potential injuries, if a guest or third party accidentally injures themselves on your property.
Injuries from falling objects
Cover yourself from the risks associated with potential injuries if a fallen tree or heavy object from your property injures a guest or third party.
Property damage
Guard against financial loss from physical damage to your premises, like accidental fire, during a guest's stay.
Damage to neighboring property
Ensure coverage for accidental damage to neighboring properties, whether it's a flooded yard, or a fire caused by a guest using a grill.
Frequently asked questions
Does this insurance meet state minimum requirements?
Yes! This coverage meets the minimum requirements for all 50 US states.
What states is this coverage offered in?
Coverage is available in every state within the United States.
When does coverage begin?
You will select your coverage start date in our purchase experience. Once you’ve completed your transaction, you will then receive an email with your policy documentation and selected date of coverage.
What’s the price of coverage?
General liability coverage starts at $5.5 per night.
When will my card be charged?
Your card will be stored at the time you bind your policy. However, it will only be charged for reservations booked. Your billing will reflect the reservations made in the month prior.
Is my data secure?
Yes! Your data is managed in compliance with industry standards and is secured through advanced encryption, strict access controls, regular security audits, and a robust incident response plan .
What happens if I need to file a claim?
You can file your property or liability claim directly on the Guesty platform.
What type of insurance coverage is Guesty Liability Coverage?
It is general liability coverage, with a limit of $1M and medical payments with a limit of $10K.
Does Guesty Liability Coverage also cover property damage?
It covers general liability only. For physical damage protection you can add one of our property damage options to suit your specific needs.
Is Guesty Liability Coverage a personal or commercial policy?
It is a commercial policy that protects your short-term vacation rental property.
How does Guesty’s liability insurance work, and who is actually covered under the policy — is it the property manager, the owner, or both?
Both the property manager and the owner are covered under the Liability policy.
Whether the liability or damage protection extends to the owners they represent.
It extends to the owners, but only during a stay.
If there are coverage limitations based on who is listed as the insured party. What are those limits?
No limitations, you either get coverage or you don’t.
See Guesty in action
[Guesty Insurance Services, LLC}] ("Guesty") is a licensed Property & Casualty ("P&C") and surplus lines insurance producer in the states where it transacts insurance. Insurance coverage is available only to insureds in those states where Guesty is licensed to transact insurance as a producer and holds a valid company appointment. Guesty may partner with other licensed insurance producers in the sale and administration of its programs. All coverages are subject to policy terms, conditions, and exclusions.