Raleigh, NC Short-Term Rentals: Insurance Requirements (2026)

Hosts in Raleigh commonly use one of three insurance structures. First, a homeowner policy endorsement or rider from carriers such as State Farm, Allstate, Nationwide, Erie, or NC Farm Bureau that explicitly adds short-term rental coverage for a modest premium, suitable for occasional hosting of a few weekends per year. Second, a dedicated short-term rental commercial policy from specialty providers like Proper Insurance, Safely, CBIZ, or surplus-lines carriers, designed for frequent hosting and higher revenue and typically including 1 million dollars of liability plus full replacement-cost dwelling coverage and loss-of-business-income coverage. Third, reliance on platform protection - Airbnb's AirCover for Hosts provides up to 1 million dollars of primary host liability and 3 million dollars of host damage protection, while Vrbo provides up to 1 million dollars of liability coverage for eligible bookings. Platform protection is primary for most Raleigh bookings but should not be treated as a substitute for a disclosed carrier policy, because direct-booking guests and chronic commercial use often fall outside platform coverage. HOAs, especially those in condo buildings downtown, frequently require a separate certificate of insurance naming the association as an additional insured, often with minimum liability limits of 1 to 2 million dollars.