K Corlene | STR Owner
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If you are renting your property (or even a portion of your property) for less than 30 days at a time, this is considered short-term rental. This is something not automatically covered on a normal homeowners insurance policy. You need to make sure your insurance company is aware if you are renting your property short term.
Simply put, normal homeowners policies just aren't equipped to properly insure short-term rentals.
Yes, so long as you have the correct coverage. Many policies wont allow you to do this. The right policy will cover the 4 occupancy types: personal, short-term, long-term and unoccupied.
Yes, it is considered a business and therefore should be insured as a business. Using a PERSONAL home insurance policy for a business you're running, can put you in jeopardy of not having the right coverage.