Home Sharing Insurance in California

What We Offer

Home Sharing Coverage Insurance in California

Protect Your Property While Earning from It Home sharing is on the rise—whether you're listing a spare room or the entire house on Airbnb, Vrbo, or any other short-term rental platform, your standard homeowner’s policy might not fully protect you. That’s where Home Sharing Coverage steps in. At Western Insurance Network, we offer tailored insurance solutions that bridge the gap between traditional Homeowner insurance and the unique risks of hosting guests. We help California homeowners confidently open their doors to travelers—without opening themselves up to financial risk.

Homeowners Insurance

What Is Home Sharing Coverage?

Home Sharing Coverage is a specialized insurance endorsement or policy add-on that extends your homeowner’s policy to include protection for short-term rentals. If you’re renting out a part of your property—even occasionally—your standard policy likely excludes this type of exposure.

This coverage can help protect you from:

Guest-related property damage
Liability claims during a rental stay
Loss of income due to damage rendering the space uninhabitable
Theft or vandalism during a rental period

Whether you host occasionally or run multiple listings, Home Sharing Coverage is designed to give you peace of mind.

Why You Need Home Sharing Coverage

Home-sharing might feel like a passive income stream—but in the eyes of insurers, it’s a business. And that means different risks.

Imagine this: A guest slips and falls on your stairs. Your standard homeowner’s policy might not cover the resulting medical bills or lawsuit. With Home Sharing Coverage, you can reduce your out-of-pocket liability and maintain rental income security.

If you’re serious about protecting your assets and ensuring long-term profitability from your rentals, pairing this policy with General Liability insurance can offer even stronger protection.