Most regular homeowners or landlord policies will not cover incidents that occur during a short-term rental or Airbnb stay.
For those in Denver, Colorado Springs or other Front Range Cities, you'd be smart to buy short-term rental insurance. We've had coverage with all the carriers, and we recommend Proper Insurance.
They're underwritten by Lloyd's of London and operate like a conventional insurance model. Pay a monthly premium. Enjoy stress-free insurance coverage for your Colorado Airbnb. Their customer service is responsive and their coverage areas are strong. They offer a great product.
It takes one guest to wipe out all your short-term rental profits … and maybe all your savings. So be sure you're covering yourself with the proper insurance ... no pun intended.
But seriously, Proper Insurance should be your first call.