All tools/CBIZ Vacation Rental Insurance
Specialty STR insurance for U.S. owner-hosts
At a glance
Updated 2026-04-25Established specialty STR insurer — but you'll need to call for a quote
Best for: U.S.-based owner-hosts of 1–4 unit short-term rentals who need commercial-grade liability and business-income coverage
Pricing
Contact sales • No free trial
CBIZ is a specialty vacation-rental insurance broker offering a single bundled commercial policy for short-term rental owners in the United States. The program covers dwelling, contents, liability, and business income for properties listed on platforms like Airbnb and Vrbo, replacing a homeowners policy rather than supplementing it. CBIZ has underwritten vacation-rental policies since 2002 and the current national program is backed by an A-rated carrier.
Honest per-segment take. Click any card for the full breakdown.
1–5 listings
If you're an individual owner of a single STR or a small portfolio of 1–4-unit properties, CBIZ is purpose-built for you — it's the segment they explicitly target.
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5–20 listings
Mid-portfolio owners can get coverage, but CBIZ doesn't publish portfolio-level minimums or multi-property discounts, so you'll need to negotiate via the quote process.
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20–100 listings
CBIZ is positioned for owner-hosts of 1–4-unit properties, not large multi-property managers — research confirmed eligibility caps around 1–4 units per policy.
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Airbnb primary
If your listings live primarily on Airbnb, CBIZ is built to replace the host-provided coverage with a real commercial policy — including the amenity risks Airbnb's program narrowly addresses.
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Vrbo primary
Vrbo hosts get the same fit as Airbnb hosts — a commercial STR policy designed to replace homeowners coverage and address platform policy gaps.
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3+ channels
CBIZ covers the property regardless of where it's listed, so multi-channel hosts get the same policy benefits — but there's no software-side integration with channel managers or PMSs.
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Same category, different fits. Each pick has a direct comparison reason.
Pick Proper Insurance if you need the broadest STR-specific endorsements — squatter, amenity, and bed bug coverage — backed by Lloyd's of London and exclusively endorsed by VRBO.
Contact sales • No free trial
View alternativesPick Awning Insurance if you're a first-time Airbnb investor who wants a one-page triage of four vetted carriers (Proper, Obie, Toggle, Hippo) with published price floors before talking to anyone.
From $40 • No free trial
View alternativesPick Safely if you're a low-to-mid occupancy host who wants pay-per-night insurance bundled with guest screening and zero cost during vacancy.
From $8 • No free trial
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