Finding RV insurance that allows short-term rental (AirBnB)

I doubt you find much help on this forum. Most people on here are passionate owners who would rather cut their arm off before renting their RV. Too much money spent and too much at stake for damage. And too personal and emotionally attached. For this forum, Rv'ing is a lifestyle, passionately pursued and a lot invested.

I would check local RV dealers or places that rent TT's and ask them about insurance, or call a few brokers and ask. The only company I know of for commercial RV renting is MBA. You could try there as well. Good luck. I know it's been done, I've seen TT Arbnb's as well as campgrounds that rent RV's on site. Call one of them and play dumb and ask them what kind of insurance they have. Maybe if it's not moving, it's not a big deal. It's renting drivable RV's that incorporate a lot of risk.

We're well aware of what comes with AirBnB rentals and planning to retrofit and allow for maintenance as needed and far less risk with stationary rental (if we can find an insurance solution). My wife and I have stayed in several TT AirBnB's and their owners have had a great experience--the challenge we're having insurance wise if for renting a stationary Rv.

Sounds like a great idea: let someone else pay for your motor haome while you aren't using it. Great till someone damages it and your next rental is an hour away. Or uses it to cook up a batch of meth and abandons it in a state park.
Use your imagination for what could go wrong and someone will have done worse.

Speaking strictly for myself: I'd rather rent my toothbrush than my motorhome.

First, using your personal RV for a rental is a bad idea. RV's are finicky as it is, cheaply made and easy to break things and they don't hold up well to commercial use. Unless you are completely emotionally detached from it, I would caution against it. RV rentals is a business and should be approached that way. It will get messed up, depreciate more rapidly and cost a lot to fix things when they break and put you out of business until repaired.

We owned an RV rental business for several years. It's a business and has business expenses. At the time, MBA insurance was the only game in town. Premiums were about $800/mo for $1MM in liability. We operated under an LLC and treated like any other business. A few questions - How will you report income? How will you leverage maintenance and repair write-offs? How will you manage depreciation to offset the loss at end of life or when you sell? How will you insulate yourself from liability?

I am not sure if there is some distinction between being stationary vs Mobile. If it's on your property I am not sure how that would work. Class A's are passenger vehicles and need to be registered that way, unlike a TT which would be more conducive to your plan.

MBA provided all the necessary contracts including clauses to ensure the renter covers any damages and lost revenue for repairs. Damage deposits are usually $1,000.

Rv's are a pretty big investment for personal use, let alone using it for a business. If you want an RV for personal use and can't afford it, save your pennies. If you want a business, start a business, the 2 don't mix well.