Why Cape May County hosts need short-term rental insurance
Cape May County is one of NJ's busiest vacation-rental markets — Wildwood, Ocean City, and the shore towns are full of seasonal rentals that need true short-term rental coverage. A standard homeowners policy excludes rental activity, so the moment you take a paying guest, you may have no coverage at all.
What short-term rental insurance covers in Cape May County
- Dwelling & Property — the home, furnishings, and contents you rent to guests.
- Host / Premises Liability — guest injuries and property-damage claims during a stay.
- Lost Rental Income — income when a covered loss makes the property unrentable.
- Contents & Theft — damage or theft of the furnishings you provide.
Getting the right coverage in Cape May County
The right policy depends on your specific situation, and we size it to match rather than selling a one-size-fits-all package. As an independent agency, we compare multiple carriers instead of pushing one company's products.
Working with a local Cape May County agent
Serving Ocean City, Wildwood, and Sea Isle City and all of Cape May County, Kevin Brown Insurance Agency explains the coverage in plain language and places it correctly the first time.