Vacation rental insurance
Protect your peace of mind
Owning a vacation rental in Montana can be both rewarding and profitable, but it comes with unique risks. Whether your property is nestled in the heart of downtown or near a serene lakefront, the unexpected can happen. That’s where vacation rental insurance from Cogswell Insurance Agency comes in. It’s not just insurance—it’s peace of mind.
Why do you need vacation rental insurance?
If you rent out your property short-term on platforms like Airbnb or VRBO, standard homeowners insurance may not cover you adequately. These platforms don’t take on your full liability—and neither should you! With vacation rental insurance from Cogswell Insurance Agency, you can feel confident knowing that your property and financial future are protected.
Let’s face it—strangers staying in your home week after week can open the door to a whole host of potential issues. Broken furniture, damaged plumbing, or an injured guest can turn a weekend rental into a long-term headache. That’s why many local property owners in Montana rely on vacation rental insurance to protect what matters most.
Real claims we see all the time
| Claim Type | Average Payout | Typical Scenario |
| Guest Injury | $12,000 | Slip on wet tile during check-in |
| Property Damage | $5,500 | Broken furniture after a weekend party |
| Water Damage | $8,300 | Overflowing bathtub left unattended |
| Loss of Income | $2,000/month | Cancelled bookings during repairs |
How much does vacation rental insurance cost?
Cost depends on factors like location, property value, size, and how often you rent. But many clients in Montana are surprised to learn how affordable real protection can be. With Cogswell Insurance Agency, we’ll shop the best coverage for your specific property—so you don’t overpay.
Some properties can be covered for as little as a few hundred dollars per year. That’s a small price to pay for the peace of mind you’ll get in return.
What does vacation rental insurance cover?
Property damage
From kitchen fires to broken windows, coverage for unexpected physical damage to your property.
Guest injuries
If a guest slips on your stairs or gets hurt on the property, you’re covered for medical and legal expenses.
Loss of income
Covers medical and legal costs if someone is injured inside your condo unit.
Vandalism
Protects walls, floors, and fixtures within your condo unit.
Water damage
Leaky pipes or overflowing tubs? We’ll help you cover repair costs before mold becomes a problem.
Weather Events
Storm damage can be costly. Be prepared for wind, hail, or other severe weather in Montana.
Protect your investment today
Every home is different. That’s why we take the time to ask the right questions and find the best fit. Whether you’re just starting out with your first Airbnb or manage a handful of vacation rentals across Montana, Cogswell Insurance Agency is here for you. Call us at 406-761-5000 or request a free quote online today!
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