Insurance & Coverage8 min read
The House Gets Rebuilt. The Season Doesn't.
Dwelling coverage rebuilds the house. It does not replace the season. How loss of income coverage works, the civil authority trigger, and sizing for seasonal revenue.
Read article →Property Management8 min read
The One Line That Turns an Owner's Policy Into Your Shield
Additional insured status is the cheapest, most effective protection a management company can require, and most never verify it. What those two words actually do.
Read article →Operational Risk10 min read
The First 24 Hours After an Incident: What to Do and Document
The first day after a guest injury or property event decides the claim. The sequence: people first, carrier notice, scene preservation, and what not to say.
Read article →Insurance & Coverage9 min read
When It Makes Sense to Re-Shop Your STR Insurance
Auto-renewal is not a strategy. The specific changes to a property, a portfolio, or a market that make re-shopping the right call, and when to stay put.
Read article →Insurance & Coverage7 min read
Named Perils vs. Open Perils: Why This Matters
One design lists what is covered, the other lists what is not. The difference decides the unusual claims, and who has to prove what.
Read article →Insurance & Coverage7 min read
Replacement Cost vs. Actual Cash Value: Why the Difference Matters
Two policies can look identical on price and pay out very differently on the same claim. Three words decide which one you have.
Read article →Property Management8 min read
The Renewal Is Where the Portfolio Gets Graded
A manager’s coverage is priced on the whole book at once, and one owner’s gap becomes a line on the record every future carrier reads.
Read article →Operational Risk9 min read
Wildfire and the Short-Term Rental: Hardening, Coverage, and Staying Insurable
Short-term rentals cluster where wildfire risk is highest. How homes actually ignite, what hardening does, and why the same work now decides whether you stay insured.
Read article →Property Management9 min read
Verifying Owner Coverage Before a Unit Goes Live
An owner saying they have insurance is the beginning of the conversation. What to verify before the first guest checks in, and how to make it standard.
Read article →Operational Risk9 min read
Carbon Monoxide and Fire: The Detectors That Decide a Claim
Most hosts have detectors because it is obvious. Fewer have checked whether they are in the right places, still work, or meet code, questions that decide how a claim resolves.
Read article →Property Management10 min read
Where Portfolio Liability Actually Concentrates
Adding a second property does not double your exposure. Liability concentrates at specific points most operators have never mapped. A framework for finding them.
Read article →Coverage Gaps7 min read
The Deductible You Haven't Done the Math On
Percentage deductibles read small and land large, and a separate named-storm deductible may apply to the exact loss a coastal property is most likely to face.
Read article →Liability7 min read
Why Your Umbrella Policy May Not Cover Your Rental
A personal umbrella adds a million or two over your home and auto. Most exclude business and rental activity, the exact claim a guest injury at your rental becomes.
Read article →Coverage Gaps9 min read
Seasonal Short-Term Rentals and the Off-Season Coverage Gap
The months a seasonal property sits empty feel like the safe months. They are often when the worst property losses happen, and when policies quietly change what they cover.
Read article →Coverage Gaps9 min read
Direct Bookings and the Coverage Gap Most Hosts Miss
When a guest books directly instead of through a platform, the platform's protection disappears entirely. The real question is whether your
Read article →Liability10 min read
Ordinary Negligence vs. Gross Negligence — and Why Your Policy Cares
A guest gets hurt. The host wasn't careful enough — that's negligence, right? Sometimes. But "negligence" comes in at least two legal flavor
Read article →Property Management12 min read
The Five Risks That Keep Short-Term Rental Property Managers Up at Night
Property management is a business built on other people's decisions. You manage the operations. You field the guest calls. You coordinate th
Read article →Liability11 min read
Five Things That Happen When Your Airbnb Becomes a Party House
Every host has a version of the same story. The booking looked fine. The guest profile looked fine. The message said it was a small group ce
Read article →Operational Risk10 min read
When a Platform Error Becomes a $600,000 Problem
An 83-year-old Honolulu homeowner is fighting $600,000 in fines for a listing error her platform later admitted was their mistake. The case
Read article →Liability10 min read
The Liability Shift Happening Inside Short-Term Rentals
A Florida law firm handling negligent security cases told Law.com they're getting calls every single day about short-term rental incidents.
Read article →Operational Risk8 min read
The Maintenance Log an Adjuster Actually Asks For
After a serious loss, the first question is rarely whether you cared about the property. It is whether you can prove what you did. Here is t
Read article →Industry5 min read
Why The STR Industry Needs Better Risk Conversations
Short-term rentals have grown into a sophisticated asset class. The conversations around STR risk haven't kept up. This is why we built The
Read article →Coverage Gaps8 min read
Does Your Homeowner's Policy Cover Airbnb?
Picture this. A guest books your property for a long weekend. Everything goes smoothly. Three weeks later you get a letter from an attorney
Read article →Audit Guide10 min read
The 7 Coverage Gaps We Find in Almost Every STR Audit
Most hosts aren't dramatically underinsured in one obvious way. They're moderately underinsured in several specific ways — and the combinati
Read article →Coverage Gaps11 min read
AirCover vs. Real Insurance
Airbnb's marketing around AirCover is impressive. Three million dollars in damage protection. One million in liability. Available at no cost
Read article →Liability10 min read
What Happens When a Guest Gets Injured at Your Property
Most STR hosts have thought about this scenario. A guest gets hurt. This post walks through the exact sequence of events — the timeline, the
Read article →Coverage Gaps9 min read
Why Standard Landlord Insurance Often Fails Airbnb Hosts
You already know your homeowner's policy doesn't cover your Airbnb. So you switched to a landlord policy. Here's why that upgrade is often i
Read article →Underwriting & Risk9 min read
Why Short-Term Rentals Are Underwritten Differently Than Traditional Rentals
When an insurance underwriter evaluates a property, they're answering one core question: What is the actual use of this property, and what r
Read article →Coverage Gaps8 min read
Before You Airbnb Your Home for the World Cup, Read Your Insurance Policy
Homeowners excited about World Cup rental income often skip one critical question: Will your insurance actually cover what happens when a pa
Read article →New Host Guide7 min read
I Just Bought an Airbnb. What Do I Do About Insurance?
You've bought the property and listings are live. Now comes the insurance question. Here's exactly what you need to know and do before your
Read article →Coverage Gaps8 min read
Pool Season Is Here. Is Your STR Coverage Ready?
Your pool is open. The chemistry is balanced, the furniture is out, the bookings are accelerating. One question worth asking before the firs
Read article →Claims & Coverage11 min read
Why More Property Insurance Claims Are Being Denied, and What STR Hosts Can Do About It
The Wall Street Journal recently reported that the five largest home insurers closed more than 44% of claims without payment — up from 36% a
Read article →Coverage Gaps10 min read
Hurricane Season Starts June 1. Here Is What Your STR Coverage Actually Says.
NOAA is forecasting a below-average 2026 hurricane season. That is genuinely good news. It is also completely irrelevant to whether your cov
Read article →For Property Managers11 min read
The Owner's Insurance Mistake That Becomes the Property Manager's Problem
Most property managers have a version of this conversation: the owner says they're insured, the manager takes it at face value, and months l
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