Only if the rental unit is scheduled on the umbrella AND the underlying property policy is a landlord policy or DP-3 dwelling fire policy carrying at least $500,000 liability. Standard homeowners policies exclude business-use rental income entirely, so a guest injury at an Airbnb or VRBO unit written on a standard homeowners policy is typically denied by both the underlying and umbrella carriers.
This is one of the fastest-growing coverage gaps in the Southeast because of the short-term rental explosion. Vacation rental hosts in Florida (the highest per-capita STR concentration in the country), Tennessee (Gatlinburg/Pigeon Forge/Nashville), North Carolina (Outer Banks), Alabama (Gulf Shores/Orange Beach), and Georgia (Blue Ridge/Golden Isles) need scheduled landlord policies before umbrella will layer. Also see Mississippi and Louisiana. For a rental property liability primer see III.org landlord insurance. Get scheduled at bridgewayins.com/quotes or call (877) 418-2484.
