CalculateRealEstateROI

Airbnb · Guide

Insurance for STR

Standard landlord policies often exclude STR — specialty carriers required.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Key takeaways

  • Most DP-3 policies exclude STR.
  • Specialty carriers: Proper, Steadily, Slice.
  • $1M liability minimum.
  • Loss-of-rent rider critical.
  • Annual review.

Core concepts

STR exclusion

Standard landlord policies void on STR.

Specialty carriers

Proper, Steadily, Slice cover STR.

Liability

$1M+ standard.

Step-by-step framework

  1. 1Verify STR coverage.
  2. 2Specialty carrier quote.
  3. 3$1M+ liability.
  4. 4Annual review.

Common mistakes to avoid

  • Standard policy on STR.
  • Insufficient liability.

Frequently asked questions

Cost?

$1500–4000/yr.

Best carrier?

Proper, Steadily.

Liability minimum?

$1M.

Airbnb host protection?

Inadequate alone.

Action checklist

  • ☐STR carrier.
  • ☐$1M+ liability.
  • ☐Loss-of-rent rider.
  • ☐Annual review.

More from Airbnb Investing

Airbnb Investing Best Practices
Regulation, design, and pricing discipline determine STR success.
Common Airbnb Mistakes
Most STR failures trace to ignored regulation, weak design, or amateur operations.
Beginner's Guide to Airbnb Investing
First STR — regulation, design, and ops basics.
Advanced Airbnb Strategy
Portfolio operations, dynamic pricing optimization, and brand-building for STR operators.
Airbnb Resource Center
Tools for STR underwriting, regulation, and market selection.
STR Regulation Diligence
City code, HOA, lender, and tax — all four must permit STR before you buy.