STR-Specific Insurance Coverage
AirCover is not a substitute for real STR insurance. Compare policies covering commercial liability, loss of rental income, and property damage so you're not underwriting blind.
Independent. Operator-tested. Zero pay-to-play rankings.
Platform protections like AirCover were designed as marketing features, not comprehensive insurance products. Here's what real STR insurance covers that they don't.
AirCover's liability protection applies to guest-caused incidents. STR-specific commercial liability insurance covers third-party injuries on the property regardless of cause, neighbor disputes, and incidents during turnovers and maintenance that happen outside active bookings.
Compare liability coverage optionsIf your property is damaged and unrentable, AirCover doesn't cover the revenue you lose while repairs are underway. Loss of income coverage replaces your projected rental revenue during covered repair periods, protecting you from the financial gap between damage and recovery.
Find loss of income coverageStandard homeowner's insurance policies typically void coverage when a property is used commercially for short-term rental. STR-specific policies explicitly cover commercial rental use, including high-turnover damage patterns, theft of furnishings, and vandalism by guests.
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STR insurance providers compared on coverage, cost, and claims
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"I didn't realize my homeowner's policy voided when I listed on Airbnb until I read VaultSTR's insurance breakdown. Switched to an STR-specific policy before my next guest checked in. Glad I did."
"The loss of income coverage comparison was exactly what I needed. Had a water damage incident that took 6 weeks to repair. My STR-specific policy covered the revenue gap. Standard homeowner's wouldn't have."
Every insurance provider is evaluated across four dimensions specific to short-term rental operations.
We verify that each policy explicitly covers commercial short-term rental operation and does not include exclusions that would void coverage during active guest bookings or high-turnover periods.
We compare commercial liability limits, third-party injury coverage, and what's included for incidents during turnovers, maintenance visits, and periods between bookings when no guests are present.
We evaluate loss of rental income coverage terms, the documentation required to file a claim, and real operator feedback on how each provider handles actual claims. Claims handling is where policies diverge most.
Doesn't AirCover cover everything I need?
AirCover is a host guarantee, not an insurance policy. It covers certain guest-caused damage up to stated limits and offers liability protection for guest-related incidents. It does not cover incidents outside active bookings, loss of income during repairs, commercial liability in all states, or circumstances where Airbnb determines the damage claim doesn't meet their terms. STR-specific insurance fills these gaps with enforceable policy terms.
Will my existing homeowner's policy cover STR use?
Most standard homeowner's policies include exclusions for commercial activity, which includes short-term rental. Renting on Airbnb or VRBO typically voids your standard homeowner's coverage for guest-related incidents. You need a policy that explicitly covers commercial STR use or a separate STR rider from your existing carrier.
How much does STR-specific insurance cost versus regular homeowner's?
STR-specific policies typically run $1,500-4,000 per year depending on property value, location, and revenue. That's 1.5-3x the cost of standard homeowner's insurance, but the coverage scope is significantly broader and actually enforceable for rental use. Many operators find the loss of income coverage alone pays for the premium difference after one incident.
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