Most hosts find out their coverage is broken on the worst possible day. The hot tub is leaking through the kitchen ceiling. The guest who said it was a quiet birthday weekend left burn marks on the deck and a missing television. You file with your homeowner’s insurance, and the agent asks one question: Were you renting the place out short-term? The moment you say yes, the claim closes. Your policy never covered this. It never did.
That is the gap our Airbnb insurance service was built to close. Short-term rental insurance is a different animal from a regular homeowner’s policy, and most hosts are running a business on coverage that was written for a family living in their own home.
We help you set up real vacation rental insurance, build the layers that platform protection alone will never give you, and put the systems in place that stop most damage before it ever happens.
A lot of hosts read the AirCover page once, decide they are covered, and move on. Then a real incident hits, and the gaps show up fast.
The first gap is what platform coverage does not include. AirCover has limits, exclusions, and a list of items it will not pay out on. Cash, certain electronics, outdoor wear, and slow water damage often fall outside the lines. Vrbo’s program works on its own terms. If your booking came through Booking.com or your direct site, neither one applies at all. Real short-term rental liability insurance fills every one of those holes.
The second gap is your own homeowner’s policy. Most standard policies have a clause that voids coverage the moment you start renting the home commercially. One Airbnb booking, even a single weekend, can technically end your protection on a future claim that has nothing to do with hosting. Most hosts never read that clause until it stops a payout.
The third gap is the prevention side. Insurance pays out after the damage. The bigger win is stopping the damage before it lands. Guest screening catches new accounts and party-prone profiles before they ever hold a date. Noise monitoring flags loud music at eleven at night, before the police call. Security cameras at the entry points record who actually walked in versus the two people on the booking. Vacation rental risk management is the part most hosts skip, and it is the part that saves the most money.
The fourth gap is the claim itself. Even with the right policy, a weak file gets denied. Photos, timestamps, written guest messages, repair quotes, and police reports when needed. Without that paperwork, the claim fails, no matter how good the coverage is.
Send us your current policy and your last three bookings. We will tell you exactly where you are exposed, free of charge.
Our services are designed to manage short-term rentals as professional hospitality businesses, focusing on operational efficiency, market visibility, and revenue optimization.
Before we sell you anything, we read what you already pay for line by line. Most hosts have either too little, too much, or coverage that does not apply to short-term rentals at all. You get a written summary of what is real and what is missing.
We pull quotes from carriers that actually understand vacation rentals. Proper, CBIZ, Safely, Steadily, and Slice all work differently. Premiums change based on location, amenities, and bedroom count. We hand you a side-by-side comparison with the trade-offs, not just the cheapest number.
AirCover, Vrbo's program, and your private policy each cover different things. We map out exactly which one handles what, so you know who to call first when something happens. No more guessing, no more two carriers pointing at each other.
Noise monitors, ID verification, security cameras at entrances, and house rules language that actually holds up if a claim goes to dispute. We set the whole stack up and brief you on how it works in plain language.
If a guest causes damage, you call us first. We pull the platform messages, the camera clips, the noise reports, and the repair quotes. The file goes in clean and complete, which is the single biggest factor in whether a claim pays out fast or sits open for months.
We are not insurance brokers selling you a single product. We are a host services team that has handled real claims, real party damage, and real platform disputes across hundreds of properties. We work with the carriers, we know the wording, and we know the small things that make claims go sideways.
Here is what working with us looks like:
If you have ever woken up wondering whether your coverage would actually pay out, that question alone is the reason to fix it now instead of after the fact.
Send us your current policy and your property details. We will run a free coverage audit, send back a clear plan within two business days, and quote a flat setup fee with zero pressure. Say yes, and we can have your full protection stack live by the end of next week.
Call us, fill out the form, or send a quick message. We answer fast, we quote fairly, and we start the work the moment you give the green light.