Most hosts discover their coverage gaps only after an incident. We study the losses that financially devastate STR operators, and help you find your exposures first.
A guest slipped exiting a hot tub onto an icy deck. The homeowners policy denied for commercial activity; AirCover denied as ordinary negligence. The host absorbed the settlement and legal costs.
Real claims, anonymized, with the numbers intact. Each case reconstructs what failed, what the policy did and didn’t cover, and what would have prevented it.
Start with a free, plain-language read on your exposure. Move to a full review when you’re ready, and we help you get properly covered.
A fast, honest baseline.
The complete picture, and the fix.
Coverage responds after a loss. Operations prevent one. Our published framework turns claims patterns into the systems, records, and protocols that keep properties off the incident list.
Water, electrical, fire, and seasonal-shutdown protocols — the failures that drive the costliest STR claims.
Screening, event prevention, and house rules written to hold up after a claim, not just on the listing.
Inspection logs and condition records — what underwriters and adjusters actually look for when a loss occurs.
What works in Tennessee will get you denied in Florida. Coverage, regulation, and claim outcomes shift at every state line.
Plain-language writing on coverage, claims, and the operational calls that decide them.
We study a destroyed property the way medicine studies a serious complication. Calmly, in sequence, to understand exactly what would have prevented it.
What happened, in order — the conditions and decisions that led to the loss.
The operational and coverage failures that compounded, not just the trigger.
What the policy did, what it didn’t, and the exact clause that decided the outcome.
The one transferable lesson — the system or endorsement that changes the result.
No tips, no hype. A short, claims-informed read on how STR losses happen and how operators avoid them.