Short-Term Rental Insurance in New Jersey
Renting a place on Airbnb or VRBO is a business activity — and a standard homeowners policy usually excludes it. NJ hosts who rely on their homeowners coverage for a short-term rental are often uninsured for exactly the situations that matter most.
The homeowners-policy gap
Most homeowners and even landlord policies exclude or limit coverage once you take paying guests — treating short-term rental as a business use. That means a guest injury or guest-caused damage may not be covered at all. Platform 'host protection' is limited and secondary, not a substitute for the right policy.
NJ Shore rentals
Short-term rentals are common at the NJ Shore and in seasonal markets, where high turnover, coastal exposure, and municipal short-term-rental rules add layers. We match coverage to how the property is actually used — occasional hosting, a dedicated rental, or a seasonal Shore property.
Get your quote
Kevin Brown Insurance Agency is an independent NJ agency — Kevin Brown is a licensed NJ resident producer (License #3003694894) who shops multiple carriers to match short-term rental insurance to your actual operation. Call 732-944-1791 or start online for real options with the tradeoffs explained.