Coverage Explained
Airbnb AirCover: What It Actually Covers (and What It Doesn't)
An agent's honest breakdown of Airbnb AirCover for Hosts — what it covers, the three gaps, and why hosts still need real STR insurance.
STR Guard Insurance Blog
Coverage explanations, state-by-state cost guides, and host resources for short-term rental property owners. Whether you're listing your first Airbnb or scaling a multi-state portfolio, we publish the information hosts need to operate well.
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Host Resources
Best Markets to Buy a Vacation Rental in 2026
Eight of the strongest STR markets for 2026 — ADR, occupancy, regulation, and the peril and insurance costs investors should weigh.
Coverage Explained
DP-3 vs. Commercial Habitational: Which Dwelling Form for Your Short-Term Rental?
DP-3 or commercial habitational? How the two STR dwelling forms differ on perils and loss settlement — and which fits which operating model.
Host Resources
Essential Furniture and Supplies Checklist for Your First Short-Term Rental
A room-by-room furniture and supplies checklist for a first STR — real cost ranges, where hosts overspend, and how to insure it all.
Coverage Explained
General Liability Insurance for STR Hosts: A Complete Coverage Guide
An STR agent's guide to general liability: what $1M/$2M actually covers, the exclusions hosts miss, and the AirCover gaps.
Host Resources
How to Handle a Guest Damage Claim: A Step-by-Step Guide for STR Hosts
The step-by-step claim workflow when a guest damages your STR — documentation, platform-first filing, and the insurance gap.
Host Resources
How to Price Your Airbnb Competitively in 2026
A pricing framework for 2026: comp analysis, dynamic pricing tools, seasonality, and the length-of-stay structure most hosts get wrong.
Host Resources
How to Set Up Your First Airbnb Property: A Step-by-Step Guide
A step-by-step guide to setting up your first Airbnb — permits, LLC, insurance, furnishing, and launch, with real timelines and costs.
Coverage Explained
Loss of Rents Insurance: The 12-Month Cap Explained for STR Operators
Loss of rents is the most misunderstood STR coverage. The 12-month cap, the waiting period, and the disaster-market gap explained.
Cost Guides
Short-Term Rental Insurance Cost in Arizona (2026 Guide)
Real Arizona STR premium ranges, monsoon exposure, extreme-heat amenity wear, high-country wildfire, and what drives the cost.
Cost Guides
Short-Term Rental Insurance Cost in California (2026 Guide)
Real California STR premium ranges, FAIR Plan + DIC layering, wildfire deductibles, and what actually drives the cost — by market and coverage type.
Cost Guides
Short-Term Rental Insurance Cost in Colorado (2026 Guide)
Real Colorado STR premium ranges, wildfire red zones, Front Range hail, ski-season pricing, and what actually drives the cost.
Cost Guides
Short-Term Rental Insurance Cost in Florida (2026 Guide)
Real Florida STR insurance premium ranges, named-storm wind deductibles, and what actually drives the cost — by market and coverage type.
Cost Guides
Short-Term Rental Insurance Cost in Georgia (2026 Guide)
Real Georgia STR premium ranges, the Atlanta ordinance, Savannah historic rebuild, North Georgia cabins, and what drives the cost.
Cost Guides
Short-Term Rental Insurance Cost in Idaho (2026 Guide)
Real Idaho STR premium ranges, Sun Valley ski pricing, Coeur d'Alene and Sandpoint lakefront markets, and what drives the cost.
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