A guest got hurt or damaged my house while I rented it out short-term. Will my home policy pay?

Home insuranceOtherTexasChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗

In short

Most home policies do not pay for harm during short-term rentals.
Ask your agent before you rent your home out.
Guests may also ask about their own policies.

What this means

TDI says "Most policies won't pay for damages or injuries that occur during short-term rentals." If you rent out your house for short-term lodging, TDI says to ask your insurance agent if you are covered, because you might need to buy more coverage [1].

If you are a guest in a short-term rental, TDI says your home or renters policy might cover you if you damage a host's property. Ask your agent before you rent. If you rent through an app or website that offers insurance, ask your agent if you need it [1].

Your next step

Before the next booking, ask your agent in writing whether short-term rentals are covered and what extra coverage costs. The page gives no deadline.

Check it yourself

Open the TDI guide below and read "Coverage for short-term rentals".

Where this comes from (1)

[1] TDI · checked 2026-11-06
Most policies won't pay for damages or injuries that occur during short-term rentals. If you rent out your house for short-term lodging, ask your insurance agent if you're covered. You might need to buy more coverage. If you're a guest in a short-term rental, your home or renters policy might cover you if you damage a host's property. Ask your insurance agent before you rent. If you're renting through an app or websi…

How we found this

We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

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Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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