Don’t Get Your Claim Denied (Most Hosts Are NOT Covered)
If you’re renting out your ADU on Airbnb in Orange County…
👉 You might think you’re covered.
🚨 Most homeowners policies DO NOT cover short-term rentals properly.
🏡 What is Airbnb ADU Insurance?
This is specialized coverage for:
- Short-term rentals (Airbnb, VRBO, etc.)
- Guests staying temporarily
- Income-generating properties
⚠️ Why Your Current Policy May NOT Cover You
Standard home insurance:
- ❌ Excludes business activity
- ❌ Limits liability for paying guests
- ❌ May deny claims related to rentals
👉 Airbnb’s “AirCover” is NOT enough:
- Limited protection
- Not a replacement for real insurance
🚨 Real Risks for Airbnb Hosts
In Orange County:
- Guest injuries
- Property damage
- Theft
- Lawsuits
👉 One incident can cost tens of thousands
🛡 What Coverage You NEED
💼 Short-Term Rental / Landlord Policy
Covers:
- Rental activity
- Property damage
- Liability claims
⚖️ High Liability Coverage
Protects you if:
- Guest gets injured
- You get sued
👉 Recommend at least $1M+
💰 Loss of Rental Income
Covers:
- Lost income if your ADU becomes unusable
💰 How Much Does It Cost?
In Orange County:
- Airbnb ADU insurance: $300 – $1,200+ extra per year
👉 Depends on:
- Rental frequency
- Property value
- Location
❌ Biggest Mistakes Airbnb Hosts Make
❌ Not telling their insurance company
❌ Relying only on Airbnb coverage
❌ Using standard homeowner policy
❌ Not increasing liability limits
👉 These lead to claim denial
🔥 How We Help
At Starwest Insurance:
✔ We structure proper Airbnb coverage
✔ Work with multiple carriers
✔ Make sure you’re fully protected
👉 So you can rent with confidence.
📍 Serving All Orange County
Including:
- Irvine
- Santa Ana
- Anaheim
- Huntington Beach
- Westminster
- Garden Grove
📲 Get Airbnb ADU Insurance Today
Don’t risk your investment.
Text me at 714-867-7799 or call the office 714-893-7271
👉 Fast quotes
👉 Proper coverage
👉 No broker fees