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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A single-story stucco home with a red tile roof and an arched entry gate, framed by green shrubs beneath towering red rock buttes

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.

Nate Jones, CPCU May 16, 2026 13 min read

A modern white hillside house lit at dusk above a wooden deck with a circular sunken hot tub, lounge chairs, and black metal railings

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.

Nate Jones, CPCU May 16, 2026 13 min read

A dark blue A-frame cabin with a rust-colored chimney behind a wooden deck holding a red sectional sofa and a dining table, with snow on the ground among pine trees

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.

Nate Jones, CPCU May 16, 2026 13 min read

A swimming pool with floats beneath a screened enclosure at dusk, beside a lit single-story home with open sliding glass doors

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.

Nate Jones, CPCU May 16, 2026 13 min read

A double-height living room with floor-to-ceiling windows facing green woods, a rough stone fireplace wall, a cream sofa, and a red patterned rug

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.

Nate Jones, CPCU May 16, 2026 12 min read

A timber-and-stone cabin with a steep gabled roof, stone patio walls, and a deck overlooking a lake among tall evergreens

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.

Nate Jones, CPCU May 16, 2026 13 min read

An aerial view of a single-story timber house with a steep gabled roof and covered porch, surrounded by patchy snow, dry grass, boulders, and evergreen forest

Cost Guides

Short-Term Rental Insurance Cost in Montana (2026 Guide)

Real Montana STR premium ranges, wildfire WUI exposure, Big Sky and Glacier gateway markets, winter freeze risk, and what drives the cost.

Nate Jones, CPCU May 16, 2026 13 min read

A single-story tile-roof home lit at dusk behind a large curved swimming pool, with palm trees and tiered block retaining walls

Cost Guides

Short-Term Rental Insurance Cost in Nevada (2026 Guide)

Real Nevada STR premium ranges, Las Vegas permit limits, Lake Tahoe wildfire, high-occupancy exposure, and what drives the cost.

Nate Jones, CPCU May 16, 2026 13 min read

An aerial view of a large dark-sided house with multi-level wooden decks, white patio umbrellas, and a curved elevated pool, among bare winter trees beside a creek

Cost Guides

Short-Term Rental Insurance Cost in North Carolina (2026 Guide)

Real North Carolina STR premium ranges, Outer Banks wind and the NC Beach Plan, mountain flood, and what actually drives the cost.

Nate Jones, CPCU May 16, 2026 13 min read

A modern elevated coastal short-term rental home with an infinity pool, deck seating, and palm trees in a beach community

Cost Guides

Short-Term Rental Insurance Cost in South Carolina (2026 Guide)

Real South Carolina STR premium ranges, coastal wind and SCWHUA, Charleston historic rebuild cost, and what actually drives the price.

Nate Jones, CPCU May 16, 2026 13 min read

A wood-sided cabin with a tall triangular window wall on a wooded hillside at dusk, with an elevated deck holding a hot tub and Adirondack chairs above a stone fire pit ringed by benches

Cost Guides

Short-Term Rental Insurance Cost in Tennessee (2026 Guide)

Real Tennessee STR premium ranges, Nashville Type 1/Type 2 permit effects, Smoky Mountain cabin pricing, and what actually drives the cost.

Nate Jones, CPCU May 16, 2026 12 min read

Cost Guides

Short-Term Rental Insurance Cost in Texas (2026 Guide)

Real Texas STR premium ranges, hailstorm and TWIA wind cost, Hill Country flood, and what actually drives the price.

Nate Jones, CPCU May 16, 2026 13 min read

Modern white stucco townhomes with black-framed windows, wood accent panels, and balconies, with palm trees and desert gravel landscaping

Cost Guides

Short-Term Rental Insurance Cost in Utah (2026 Guide)

Real Utah STR premium ranges, Park City ski-season pricing, Moab and St. George desert markets, and what drives the cost.

Nate Jones, CPCU May 16, 2026 13 min read

A two-story dark-stained wood home with a covered porch standing beside a shallow creek lined with tall green grass and evergreen trees

Cost Guides

Short-Term Rental Insurance Cost in Wyoming (2026 Guide)

Real Wyoming STR premium ranges, Jackson Hole high-ADR pricing, Yellowstone gateway markets, and what drives the cost.

Nate Jones, CPCU May 16, 2026 13 min read

A single-story stucco home lit at sunset with a white front door, dark-trimmed windows, flower beds, and a concrete walk across a green lawn

Coverage Explained

Short-Term Rental Insurance vs. Landlord Insurance: The Critical Differences

Why landlord insurance is the wrong product for an Airbnb or VRBO property — the underwriting differences that decide whether a claim gets paid.

Nate Jones, CPCU May 16, 2026 13 min read

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