Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

Does my own insurance cover me when I stay in an Airbnb or VRBO?

The host's short-term rental policy protects the host, not you. As an Airbnb or VRBO guest, your own homeowners or renters insurance usually covers your belongings and personal liability away from home, within policy limits, while travel insurance covers trip-specific risks neither the host nor your home policy will.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

Does Airbnb AirCover replace short-term rental insurance in Georgia?

All FAQs

Quick answer: No. AirCover for hosts and VRBO's Book With Confidence Guarantee are platform programs, not insurance. They apply only to bookings made through the platform, carry sublimits, and require you to pursue the guest first.

AirCover and VRBO's Book With Confidence Guarantee are not insurance. They are protection programs built and administered by the booking platform, and they only apply to reservations made and paid for through that platform.

Both programs carry sublimits, a term for a cap on how much the program pays for a specific category of loss, set below the program's overall stated maximum. A host might see a large headline coverage number advertised, but the amount actually available for a given type of damage, such as a specific category of guest theft or property damage, can be capped far lower than that headline figure.

Both programs also generally require the host to pursue the guest first. Before a claim under AirCover's Host damage protection or VRBO's guarantee is paid, the host typically has to request payment from the guest directly through the platform's resolution process. If the guest does not respond, disputes the request, or cannot pay, the host moves to the platform's protection program next, and that sequence adds time before any payment is issued.

Example: a guest breaks a window air conditioning unit and stains a couch during a booking made through Airbnb. Before AirCover pays anything, the host has to open a resolution request with the guest for the repair and replacement cost. If the guest does not pay within the platform's response window, the host can escalate to AirCover, where the payout for that category of damage is still subject to the program's per-item and per-category caps, not necessarily the full replacement cost.

Coverage gaps also exist outside the damage-to-property scenario. A guest injury claim, a liability claim from a neighboring property, or a booking made directly with the host outside the platform typically falls outside what AirCover or Book With Confidence covers at all, because both programs are tied to platform bookings specifically.

A dedicated short-term rental insurance policy is underwritten by a licensed carrier, follows its own policy terms rather than a platform's program rules, and applies regardless of how the booking was made. See how short-term rental insurance is structured and how it applies in Georgia specifically. Related: whether Georgia requires STR insurance at all and what happens when a carrier delays a claim decision. A coverage review can show where a platform program's limits end and where a policy would need to pick up.