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.
Coverage Explained
Plain-English breakdowns of the coverages, policy forms, and platform host-protection programs that matter to short-term rental hosts — including general liability, dwelling forms, loss of rents, and the gaps in Airbnb AirCover and VRBO Liability programs.
6 posts in this category
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.
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.
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.
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.
Coverage Explained
VRBO Liability Insurance: The Gaps Hosts Need to Close
VRBO's $1M booking-tied liability program — what it covers, the gaps hosts hit at claim time, and the STR coverage that closes them.
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