Insurance for Vacation Rentals in Minnesota

Your Local Experts With Insurance for Vacation Rentals in Minnesota

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Comprehensive Insurance for Vacation Rentals in Minnesota

Whether you own a lakeside cabin, a North Shore retreat, or a collection of short-term rental properties, protecting your investment is essential. At Musty-Barnhart Agency Inc., we specialize in providing tailored insurance for vacation rentals in Minnesota. Our dedicated team understands the unique risks faced by property owners and managers in the vacation rental space and works closely with you to find coverage that fits your needs.

Unlike standard homeowners or landlord insurance, vacation rental properties face different liability and property exposure due to transient guests, increased foot traffic, and fluctuating rental occupancy. That’s why we offer policies designed to keep your business and property secure, no matter the season.

Why Insurance for vacation Rentals in Minnesota Matters

Minnesota is a four-season destination. From summer boating and fishing trips to winter snowmobile adventures, vacation rental properties are booked year-round. However, each season introduces a new set of risks—icy walkways in the winter, fire hazards in the summer, and liability concerns every time a new guest checks in.

Musty-Barnhart offers specialized insurance for vacation rentals in Minnesota that provides protection where standard policies fall short. Our coverage addresses property damage, guest injury liability, income loss, and more—all from insurers who understand the nuances of the short-term rental industry.

Tailored Coverage for Vacation Rentals

Every vacation property is different, and so are your insurance needs. Whether you manage a single Airbnb listing or multiple short-term rentals across the state, we’ll craft a customized policy package that ensures peace of mind.

Our vacation rental insurance policies commonly include:

Property Coverage

  • Protection for your buildings, furnishings, appliances, and equipment
  • Replacement cost or actual cash value settlement options
  • Detached structures (garages, sheds, docks, etc.)
  • Seasonal and vacant property considerations

 

Liability Coverage

  • Guest injury coverage
  • Legal defense costs
  • Coverage for amenities (hot tubs, pools, fire pits, etc.)
  • Medical payments to others

 

Business Income Coverage

  • Reimbursement for lost rental income due to a covered claim (fire, storm, etc.)
  • Coverage during property repairs or rebuilding periods

 

Optional Enhancements

  • Ordinance or law coverage
  • Flood or water backup
  • Equipment breakdown
  • Theft by guests
  • Cyber liability for online booking platforms

 

By offering these features and more, Musty-Barnhart ensures that your vacation rental property is covered from every angle.

Who Needs Insurance for Vacation Rentals in Minnesota?

We work with a wide range of property owners and rental operators, including:

  • Airbnb and VRBO hosts
  • Cabin and cottage owners
  • Lakefront property investors
  • Resort owners offering short-term rentals
  • Condo and townhome vacation rentals
  • Real estate investors managing multiple rental sites

 

If your Minnesota property is rented out on a short-term basis—whether part-time or full-time—you need specialized insurance. A homeowner’s policy typically excludes commercial use, and a landlord’s policy may not extend to short-term guests. That’s why insurance for vacation rentals in Minnesota is not just smart—it’s essential.

Partnering With Musty-Barnhart: Local Expertise, Real Results

At Musty-Barnhart Agency, we believe in delivering more than just policies—we deliver peace of mind. As an independent agency, we partner with multiple top-rated insurers, giving you access to a wide array of pricing and policy options for your vacation rental needs.

What sets us apart:

  • Locally Owned & Operated: With offices in Red Wing, Lake City, Lutsen, and Ellsworth, we understand local laws, ordinances, and insurance regulations.
  • Personalized Service: You’ll speak with real agents who live and work in your community, not a call center.
  • Transparent, Honest Guidance: We take the time to explain your policy and ensure you understand what’s covered (and what’s not).
  • Community-Minded: As proud chamber members and local volunteers, we believe in protecting the communities we serve.

Serving All of Minnesota’s Premier Vacation Areas

From the scenic North Shore to the Land of 10,000 Lakes, Musty-Barnhart proudly provides vacation rental insurance across Minnesota. We’re familiar with the risks associated with seasonal tourism, fluctuating occupancy, and the unique demands of Minnesota’s climate.

Our coverage supports vacation rental owners in the following ways:

  • Lutsen
  • Lake City
  • Red Wing
  • Brainerd Lakes Area
  • Grand Marais
  • Alexandria
  • Duluth
  • And beyond

 

Wherever your property is located, our agents can help you develop a strong, customized protection plan.

Getting Started With Musty-Barnhart Is easy

If you’re ready to secure reliable insurance for vacation rentals in Minnesota, Musty-Barnhart Agency is here to help. We’ll walk you through the process, assess your risks, and build a comprehensive policy that reflects your property and business goals.

Whether you’re new to vacation rental hosting or have a growing portfolio of properties, our dedicated agents are here to help you protect what you’ve built. Let’s ensure your investment continues to deliver unforgettable guest experiences without worry.

Contact Musty-Barnhart today at 651-388-7128 or reach out online for your personalized quote on insurance for vacation rentals in Minnesota.