Insurance for Vacation Rental Hosts

Padre Island and Port Aransas guests are great, until one is not.

For Texas owners of short-term and vacation rentals on the island, in Port Aransas and around the bay.

What's different

What Vacation Rental Hosts Should Know

You share the best of the island with visitors. We will help you protect the place that makes it possible.

A house rented by the night is a business. Most homeowners policies were not written for it.

The home policy may not apply

Standard homeowners policies commonly exclude or limit claims when the home is rented short term. A booking platform's protection is not a replacement for your own policy.

Wind, flood and the water

An island rental needs windstorm and usually flood coverage on top of the base policy. Pools, docks and golf carts each add liability.

Coverages to ask about

Landlord PolicyThe building you rent out, your liability as the owner, and lost rent after a covered loss.
Windstorm & HailOn the Coastal Bend, many home policies leave out wind and hail. A separate windstorm policy fills that gap.
Flood InsuranceHome and renters policies do not pay for rising water. Flood is its own policy.
Personal UmbrellaExtra liability above your auto and home policies if you are sued for more than they pay.
General LiabilityInjury or property damage your work causes to a customer or the public.
Business IncomeReplaces lost income while you are closed after a covered loss, such as a fire.

Request a Quote

Tell Us About You

This form asks the questions that matter for Vacation Rental Hosts, and two minutes is enough to start. You are not a number here. A licensed Texas agent in Corpus Christi reads every request personally and tells you plainly what is available for your situation.

☏ (361) 336-0409 ✉ L.Emily@allfleurone.com ✦ 921 N Chaparral St, Suite 212, Corpus Christi, TX 78401

Quote Request for Vacation Rental Hosts

Your rental

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No spam. We never sell your information. A licensed Texas agent reviews every request. Sending this form does not start or change any coverage.

Our promise

What You Can Expect From Us

A neighbor, not a call centerWe are locally owned, with an office on Chaparral Street in downtown Corpus Christi. A licensed Texas agent reads your request personally.
Questions about your workWe ask what your days look like before we talk about policies, because coverage should fit the life you actually have.
Plain answers, no pressureWe explain your options in everyday language, and we tell you honestly when something is not the right fit or when we cannot help.

Before you call

What Speeds Up Your Quote

Have readyProperty address and distance to the water
Have readyNights rented per year
Have readyPool, dock, golf cart or other extras

Questions

Vacation Rental Hosts: Insurance FAQ

Do I need a different policy if I rent only a few weekends?

Tell your insurer about any rental. Some policies allow occasional rental and some void coverage for it.

Is lost rent covered after a storm?

Only if the policy includes loss of rental income and the damage is from a covered cause. On the coast, check wind and flood separately.

How do I get a quote?

Fill in the form on this page or call (361) 336-0409. A licensed Texas agent reviews every request and tells you plainly what is available for your situation. Nothing is covered until an insurance company issues a policy.

General information for Texas residents, not legal, tax or financial advice. Not every coverage is available for every person or business. Coverage is subject to policy terms, conditions and underwriting approval.

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