STR Insurance Knowledge Base

Protect What You've Built

Expert guides on short-term rental insurance, coverage gaps, liability, and everything hosts in TN, VA, SC, NC, GA, FL & MN need to know.

Coverage Gaps

Does Your Homeowner's Policy Cover Airbnb? Most Hosts Are Surprised by the Answer

Your homeowner's policy almost certainly doesn't cover your Airbnb the way you think. A single denied claim can cost you years of rental income. Here's exactly what your policy says — and what it doesn't.

8 min read  →
Audit Guide

The 7 Coverage Gaps We Find in Almost Every STR Audit

Most hosts aren't underinsured in one obvious way — they're moderately underinsured in several specific ways. Here are the gaps we find in nearly every audit.

10 min read  →
Coverage Gaps

AirCover vs. Real Insurance — What Airbnb Isn't Telling You

Airbnb's AirCover sounds reassuring. But it's not insurance — and the difference matters enormously when a real claim shows up.

11 min read  →
Liability

What Happens When a Guest Gets Injured at Your Property

A step-by-step timeline of exactly what happens after a guest injury — with and without proper STR coverage. The $42,500 difference is real.

10 min read  →
Risk Assessment

What's Inside a Professional STR Risk Assessment — And Why It Changes Everything

A free scorecard tells you where you might have gaps. A professional risk assessment tells you exactly how exposed you are — in dollars — and what to do about it.

9 min read  →

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