Cabin Rental Insurance
Insurance for cabin rental owners
A cabin rental is more than a house with a view. It is a getaway your guests are trusting, usually in a quiet, wooded or rural spot, and often with a hot tub, a fire pit or a wood stove. At Stockton-Hill Insurance in Kingston, Ohio, we help cabin owners protect the building, the business and themselves. We know Ohio's outdoor and recreation businesses, and we listen first so we can match the coverage to how you really rent.
What makes cabin rentals different
Cabins have their own risks. Talk through these with your agent:
- Remote locations. Distance from a fire station or hydrant can matter.
- Fire sources. Wood stoves, fireplaces, fire pits and grills.
- Hot tubs, decks and railings. Places where guests can get hurt.
- Water and trails. Ponds, creeks, hiking paths and hills on or near your property.
- Weather. Heavy snow, wind and storms can hit wooded properties hard.
- Guests who do not know the property. They do not know the property, so a loose step or a hot tub rule they did not see can lead to an injury.
Coverage to review
Every policy is different, and we explain each option in plain English. When you review a cabin policy, check:
- The cabin itself, including decks and other structures, and what it would cost to rebuild.
- Your belongings in the cabin, such as furniture, linens and kitchen items.
- Guest liability, which can help if a guest or visitor is hurt.
- Lost rental income, which can help replace booking income when a covered loss shuts the cabin down.
- Extra liability limits, such as an umbrella, if you host many guests over the years.
Adding another cabin: what to tell your agent
Many owners start with one cabin and keep building. Before you add one, let us know the location, size, how it is heated, whether it has a hot tub or pool, and when you will start renting. Our story When New Cabins Create New Insurance Risks walks through why that call matters.
Seasonal use and vacancy
If your cabin sits empty part of the year, say so. A long vacancy can change how a policy treats certain losses, and some policies have conditions about it. We can tell you what to watch for and when to check back in.
One cabin or many
If you run your cabins like a business, see our short-term rental (STR) insurance page. If you also rent out your own home on Airbnb or VRBO, see Airbnb and VRBO host insurance. Cabins at a campground? See campground insurance.
Local to Ohio
We are an independent agency based in Kingston, Ohio. Josh Dille grew up in Laurelville, graduated from Hocking College and specializes in recreational and outdoor-based businesses. We work with cabin owners across Ohio, including owners in the Hocking Hills region.
Talk with a real agent
Josh Dille
Agent & Sales Manager
Josh handles personal and commercial insurance and specializes in recreational and outdoor-based businesses. He grew up in Laurelville, Ohio, and graduated from Hocking College. or call (740) 642-3333.
Frequently asked questions
Do I need special insurance for a cabin I rent out?
Usually you need a policy that allows rental use, not just a regular homeowners policy. Cabins rented to guests carry their own risks, and policies differ. Tell your agent how many guests stay and how often so the coverage can match.
Does insurance cover a hot tub or fire pit at a rental cabin?
Liability from a hot tub or fire pit is something to raise with your agent before guests use it. Some companies ask extra questions or set conditions. Tell us what you have so we can explain how each option treats it.
What if my cabin is far from a fire station?
Distance from a fire station and fire hydrant can affect how a company rates and underwrites a cabin. It is common in rural and wooded areas. We can show you what that means for your options and what might help.
What if the cabin sits empty part of the year?
Seasonal use and vacancy can change how a policy treats a loss. Some policies have conditions about how long a building can sit empty. Tell your agent about your off-season so there are no surprises.
Do I need to tell my insurer when I add a new cabin?
Yes. Call us before you add a cabin, start renting a new one or change how you use one. We can add it, update your values and explain what changes.
How is a cabin different from a house for insurance?
Cabins are often rural, near trees or water, heated with wood stoves, and used by guests who do not know the property. Those details can affect pricing, coverage and which companies will write the risk.
Can I insure several cabins together?
Often, yes. We review every property to make sure each one has the right amount of coverage. If you own many, our short-term rental page explains how we work with multi-property owners.
Do you insure cabins in the Hocking Hills area?
We help cabin owners across Ohio, including clients who rent cabins in the Hocking Hills region. Call us and tell us where your cabins are.
Looking for something different?
- Short-term rental (STR) insurance
- Airbnb and VRBO host insurance
- Campground insurance
- Commercial insurance
This page is general information, not a quote or a policy. What a policy covers depends on its terms, limits and exclusions, so ask an agent to review your situation.
What our clients say
I am so happy to have made a change. I didn't know that I was missing so much attention to the insurance needs of my business. They spent time asking questions and researching my business to get appropriate coverage. Thank you all at Stockton-Hill and I look forward to a long relationship.
Going into 2024 with several years experience with Stockton-hill and we are still delighted with their service and attention to our needs. I recommend them highly.
At first I was not looking forward to Changing insurance companies after being with the same company for 15 years and having 13 cabin rentals, two wedding venues and also a farm. After meeting with Gabe & Brandon the change was so easy and it saved us a lot of money. They go through every property and make sure we are covered with the right amount of insurance. I highly recommend having them give you a quote and to check to make sure your current insurance policy has you covered correctly. Great people to work with, and always there when you call!
Let's explore your options
Whether you're requesting a quick personal quote or a detailed commercial review, you'll connect with a real person who listens, explains clearly, and follows through. Sharing your current policy summaries or insurance documents helps us provide faster, more accurate guidance tailored to your needs.
- inquire@stocktonhillinsurance.com
- (740) 642-3333
- Text: (740) 688-3050
- 10212 State Route 159, PO Box 648, Kingston, OH 45644
- M-F: 9am-5pm, S-S: Closed
Fax (877) 747-9032