Great for
U.S.-based individual owners of single-family, condo, or 1–4-unit short-term rental properties who want commercial-grade liability and property coverage to replace a homeowners policy.
All tools/CBIZ Vacation Rental Insurance
Solid Option
Last updated 2026-04-25CBIZ Vacation Rental Insurance Review: Is It Worth It?
Our independent take on CBIZ Vacation Rental Insurance from an STR operator lens. No sponsored placements. Contact sales • No free trial.
Our verdict
Established specialty STR insurer — but you'll need to call for a quote
What CBIZ Vacation Rental Insurance actually is
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.
What we like
Specialty commercial coverage that replaces a homeowners policy
CBIZ markets a single bundled policy covering dwelling, contents, liability, and business income for STR use — addressing the property-damage and liability gaps that platform-provided host policies and standard homeowners policies typically exclude.
High commercial liability limits available
Policies are written with up to $2 million general aggregate and $1 million per occurrence, suitable for owners with pools, hot tubs, or watercraft amenities that drive higher liability exposure.
A-rated carrier with deep tenure in the niche
CBIZ has been insuring vacation rental properties since 2002 and the current national program is backed by an A-rated insurance carrier, per the 2025 program-relaunch press release.
Where it falls short
No published pricing — every prospect must request a custom quote
Buyers cannot comparison-shop on the website; the vendor pricing URL returned 404 on 2026-04-25 and the product site routes all inquiries through a phone/form quote workflow.
Limited independent third-party reviews
Public review platforms have sparse coverage of CBIZ customer experiences — Awning explicitly notes that no third-party online reviews exist for this established provider, making independent verification difficult.
Coverage gaps in specialty risks
Liquor liability, squatter coverage, pet/animal liability, and earthquake are not included by default — operators with bars, exotic pets, or West Coast properties may need supplementary policies.
Is CBIZ Vacation Rental Insurance right for you?
OK for
Hosts on Airbnb and Vrbo seeking dedicated business-income and amenity (pool/hot-tub/watercraft) coverage that typical homeowners policies exclude.
Skip if
You are a property manager seeking PMS-side software integrations, a buyer who needs transparent published premiums, or you operate outside the United States.
Pricing in one line
Contact sales • No free trial
Quote-based pricing only — premiums vary by property amenities, location, and coverage limits. CBIZ does not publish rate cards; the vendor pricing path returned 404 on 2026-04-25 and the product site directs prospects to a phone/form quote workflow.
See full pricing breakdown →Ready to try CBIZ Vacation Rental Insurance?
There's no free trial, so ask the sales team for a walkthrough before committing.
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