Short-Term Rental (Airbnb) Insurance in Texas

Coverage built for the folks who rent out their slice of East Texas.

Whether you’ve got a cabin near Lake Palestine or a guest suite in Frankston, your Airbnb or short-term rental needs more than standard homeowners insurance. At Tatum Insurance Group, we help local hosts get the right protection—so you're covered when guests check in, and confident when they check out.

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More than a home—it’s a business.

Most homeowners policies don’t cover short-term or vacation rentals—and relying on Airbnb’s host protection plan alone leaves big gaps. That’s where we come in. We’ll help you get proper coverage that protects your property, your liability, and your peace of mind. Whether you host occasionally or run multiple properties, we’ll explain everything in plain language and build a policy that fits your setup.

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Keep Your Rental Income Worry-Free

This specialized coverage bridges the gap between personal home insurance and commercial landlord policies. It’s designed for people using platforms like Airbnb and Vrbo—and tailored for Texas hosts.

Property Coverage

Covers damage to your rental caused by guests or unexpected events.

Liability Coverage

Helps if a guest is injured or damages someone else’s property while staying.

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Loss of Income

Replaces lost rental income if your property becomes uninhabitable after a covered event.

Vandalism & Theft

Protects your property and contents, even if taken or damaged by a guest.

Got questions about Airbnb insurance in Texas?

  • Do I need separate insurance for my Airbnb?

    Yes—homeowners policies usually exclude business use like short-term rentals. We’ll help you get proper protection without losing your base coverage.

  • Does Airbnb’s host protection cover everything?

     No—Airbnb provides some limited coverage, but it doesn't replace a full insurance policy. We’ll explain where it falls short and how to fill the gaps.

  • Can I insure a vacation rental I don’t live in?

     Absolutely. Whether it’s a second home, cabin, or guesthouse, we can build a standalone policy that fits.

  • What happens if a guest damages my home or gets hurt

    With the right policy, you’ll have liability and property coverage in place to handle those situations. We’re happy to walk through what that looks like.