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Guide
Safety & Insurance
Protecting your property and your guests is a core responsibility of hosting. This guide covers everything from fire safety to insurance coverage.
Property security essentials
- Install a smart lock or keypad entry — it eliminates lost key risks and allows remote access management
- Add a security camera at the front entrance (exterior only, never inside) and disclose it in your listing
- Use a lockbox as a backup key solution in case smart locks malfunction
- Change access codes between every guest stay for maximum security
- Install motion-sensor exterior lighting for nighttime safety and security
Fire & emergency safety
- Install smoke detectors in every bedroom, hallway, and kitchen — test them monthly
- Place a fire extinguisher in the kitchen and near any fireplace or grill
- Provide a carbon monoxide detector on every floor, especially near gas appliances
- Create a visible emergency exit plan and post it in a common area
- Keep a first-aid kit stocked and in an easily accessible, labeled location
Guest safety measures
- Ensure all staircases have secure handrails and non-slip treads
- If you have a pool or hot tub, install proper fencing, covers, and post safety rules
- Provide non-slip mats in bathtubs and showers
- Secure heavy furniture (bookshelves, dressers) to walls, especially if families with children visit
- Keep cleaning supplies, chemicals, and sharp objects locked away or out of reach
Insurance coverage
- Standard homeowner's insurance typically does NOT cover short-term rental activity
- Get a dedicated short-term rental insurance policy or add a commercial rider to your existing policy
- Ensure your policy covers property damage, liability (guest injuries), and loss of income
- Consider umbrella insurance ($1M+) for additional liability protection beyond your base policy
- Keep documentation of all valuable items (photos, receipts) for potential claims
Risk management
- Screen guests by reviewing their profiles, verified IDs, and previous reviews before accepting
- Set a security deposit to cover potential damages — $200-$500 is standard
- Create a detailed inventory checklist and inspect the property after every checkout
- Document the property condition with photos before each guest arrives
- Have a clear damage policy stated in your house rules and listing description
Legal compliance
- Research your local short-term rental regulations — many cities require permits or licenses
- Register for and collect applicable occupancy taxes (city, county, state)
- Check your HOA or lease agreement for restrictions on short-term rentals
- Maintain proper records of all bookings, income, and expenses for tax purposes
- Consider consulting a local attorney specializing in rental property law
Emergency Preparedness Checklist
Ensure every item is in place before accepting your first guest.
Rent Ops Host Protection
Rent Ops provides basic host protection for eligible bookings, but it should not replace your own insurance. Think of platform protection as a safety net, not your primary coverage. Always carry your own short-term rental insurance policy.