Can owners or their families stay in a short-term rental?

Incidental owner or family use doesn’t automatically disqualify a short-term rental from coverage under Lessor's Risk. Certain cases are eligible:

Eligible Scenarios

Occasional Use by Owner or Family
If the property is owned by a business entity, such as a Limited Liability Company (LLC), and the owner or their family stays there occasionally when it is not rented to guests, this is generally acceptable.
Blocked-Off Time for Personal Use
It is permissible to block reservations for a few weeks out of the year, for example, to allow a family member to stay during off-peak seasons. However, this is acceptable only as long as the property is primarily operated as a rental and is not regularly occupied by the owner.

Primary Residence Use
If the property is used as the owner’s primary residence, it is not eligible for short-term rental coverage through Pathpoint. Our policies are designed specifically for true vacation rental operations, and primary residence use falls outside of our coverage appetite.
Owner Shares On-Site While Rented
If the owner shares or occupies the property at the same time as paying guests, the submission is ineligible for coverage. This applies to situations like a two-bedroom condo or single-family home where the owner occupies one room while renting out the others.