Homeowners

What does short-term rental insurance cover that my homeowners policy does not?

STR insurance covers short-term rental activity that standard homeowners and landlord policies exclude. It covers the structure while guests are present, liability for guest injuries on the property, loss of rental income if a covered loss prevents bookings, and in most cases guest-caused property damage beyond platform protection limits. Standard homeowners policies typically exclude any commercial hosting activity. You need STR-specific coverage if you list your property on any platform.

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What does short-term rental insurance cover that my homeowners policy does not?

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