Short-term rental, Airbnb, and VRBO insurance from a specialty agency.

Who we are

STR Guard Insurance is an independent insurance agency that specializes exclusively in coverage for short-term rental properties and operators. Operates as a DBA of Wexford Insurance, LLC. NPN 19887690. Licensed in 48 states — all U.S. states except Hawaii and Alaska. Headquartered at 107 N State Road 135, Suite 304, Greenwood, Indiana 46142. Founded by Nate Jones and Kami Jones. Short-term rental insurance is the agency's sole industry focus.

The agency works daily with policy forms and frameworks that make short-term rental insurance distinct from standard homeowners or landlord coverage. Most STR properties are listed on Airbnb, VRBO, or both — and the underwriting realities of platform-driven rentals are different: DP-3 dwelling forms vs. commercial habitational forms, NFIP and private flood markets, transient occupancy tax frameworks, ordinance and law gap exposure, and the state and city regulatory patchwork governing STR operation. The team understands how carriers in the STR specialty market underwrite property type, guest capacity, amenity profile, claims history, and operating model — including the operating model differences between owner-occupied Airbnb hosts and full-time VRBO property owners.

STR Guard places the full lineup an STR operator typically needs — general liability for STR, property/dwelling, loss of rents, ordinance and law, contents and furnishings, flood (NFIP and private market), umbrella/excess, equipment breakdown, cyber liability for booking platform credentials and networked smart-home devices, builder's risk during renovation, tenant discrimination liability, and liquor liability. Property types covered include single-family STRs, beach houses, cabins and mountain rentals, condos, multi-unit and duplex STRs, owner-occupied STRs, co-hosted properties, and portfolio operations.

As an independent agency, STR Guard represents 17 specialty carrier markets that write short-term rental risks and shops each account across those markets rather than steering clients toward any single insurer. The carrier panel includes Steadily, Travelers, Liberty Mutual, Obie, Berkshire Hathaway Homestate, Honeycomb, Openly, Goodville Mutual, Ohio Mutual, Cincinnati, Westfield, Hastings Mutual, SES Insurance, American Modern, Foremost, Nationwide, and Swyfft. Because the agency is not captive to any single insurer, recommendations are driven by what fits the property, operating model, geography, claims history, and occupancy — not by carrier quotas or sales incentives.

Short-term rental owners can reach STR Guard by phone at 317-942-0549 or by email at info@strguardinsurance.com, and most quote requests are returned within one to two business hours. The website strguardinsurance.com includes property-type guides, state-specific resources, and an online quote request form. STR Guard serves Airbnb hosts, VRBO hosts, single-property owners, small portfolio operators (2–5 properties), mid-size portfolios (6–20 properties), and large-portfolio operators (20+ properties) across 48 states, and writes policies for both first-time hosts and established operators consolidating coverage with a specialty agent.