Obie Insurance for Vacation Rentals: Affordable STR Coverage Starting at $40/Month

Obie provides fast, affordable insurance for Airbnb hosts and vacation rental owners. Get STR coverage starting at $40/month with instant online quotes, liability protection up to $1M, property damage coverage, and loss of rental income protection. Trusted by thousands of hosts nationwide.

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Get the right coverage for your investment property
Save money on your existing investment property coverage
No phone call or hassle required

House front with a porch and a pricing card showing Basic insurance plan for $801.71 annually with $7,500 deductible, including $140,000 building coverage, $15,000 loss of rent, and $1,000,000 general liability.

Why Airbnb Hosts and Vacation Rental Owners Choose Obie Insurance

Instant Online Quotes from $40/Month

Get a customized STR insurance quote in minutes — no phone calls, no paperwork. Obie uses real property data to generate accurate rates for your vacation rental, starting as low as $40/month for most Airbnb hosts.

Full STR Liability & Property Coverage

Obie covers what your homeowners policy won't: guest injuries, property damage, theft, vandalism, and loss of rental income. Get liability coverage up to $1M and comprehensive protection designed specifically for short-term rental hosts.

Transparent Pricing, No Hidden Fees

Know exactly what you're paying and what's covered. Obie's pricing is straightforward with no surprise fees or deductible traps. Compare your current homeowners insurance costs and see how much you could save with dedicated vacation rental coverage.

Switch in Minutes, Cancel Anytime

Already have insurance? Obie makes switching easy. Complete your application online in under 10 minutes, get coverage the same day, and cancel your old policy hassle-free. No long-term contracts or cancellation penalties.

How it works

Simple, affordable, and transparent

Fill out a simple form

Provide your email and answer some simple questions to complete the form.

Receive a quote

Receive a quote and see how you can save up to 25% on your current policy.

Get coverage

Better manage your risk and insure your investment is safe with the best coverage.

A better option

We have an experienced team and a suite of technology dedicated to providing the best service possible.

Coverage

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Homeowner’s insurance

Building

General liability

Personal property

Loss of vacation rental income

Other structures