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.
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.
RSS Feed
An agent's honest breakdown of Airbnb AirCover for Hosts — what it covers, the three gaps, and why hosts still need real STR insurance.
Eight of the strongest STR markets for 2026 — ADR, occupancy, regulation, and the peril and insurance costs investors should weigh.
DP-3 or commercial habitational? How the two STR dwelling forms differ on perils and loss settlement — and which fits which operating model.
A room-by-room furniture and supplies checklist for a first STR — real cost ranges, where hosts overspend, and how to insure it all.
An STR agent's guide to general liability: what $1M/$2M actually covers, the exclusions hosts miss, and the AirCover gaps.
The step-by-step claim workflow when a guest damages your STR — documentation, platform-first filing, and the insurance gap.
A pricing framework for 2026: comp analysis, dynamic pricing tools, seasonality, and the length-of-stay structure most hosts get wrong.
A step-by-step guide to setting up your first Airbnb — permits, LLC, insurance, furnishing, and launch, with real timelines and costs.
Loss of rents is the most misunderstood STR coverage. The 12-month cap, the waiting period, and the disaster-market gap explained.
Real Arizona STR premium ranges, monsoon exposure, extreme-heat amenity wear, high-country wildfire, and what drives the cost.
Real California STR premium ranges, FAIR Plan + DIC layering, wildfire deductibles, and what actually drives the cost — by market and coverage type.
Real Colorado STR premium ranges, wildfire red zones, Front Range hail, ski-season pricing, and what actually drives the cost.
Real Florida STR insurance premium ranges, named-storm wind deductibles, and what actually drives the cost — by market and coverage type.
Real Georgia STR premium ranges, the Atlanta ordinance, Savannah historic rebuild, North Georgia cabins, and what drives the cost.
Real Idaho STR premium ranges, Sun Valley ski pricing, Coeur d'Alene and Sandpoint lakefront markets, and what drives the cost.
Free quotes from carriers in the STR specialty market. Quote turnaround in 1–2 hours during business hours.