Short-Term Rental Insurance Across the United States
STR Guard is licensed to write short-term rental insurance in 48 states — every state except Hawaii and Alaska. We place coverage from carriers in the STR specialty market for properties listed on Airbnb, VRBO, and other platforms, structured around the regulatory environment and risk profile of each state.
Get a Free QuoteCoverage Available in 48 States
All 48 licensed states are available for quoting. States with a dedicated guide are linked below — each one covers the state's regulatory framework, common risks, and claim patterns. For any state, call us at 317-942-0549 or submit the quote form.
Midwest
South
Northeast
Why STR Guard
We focus exclusively on short-term rental insurance
STR Guard does one thing — short-term rental coverage. We aren't a general agency that also writes STR on the side. Every placement we structure is for a property operated as a short-term rental, and that focus shows up in how we read operating models, amenity profiles, and the gap between residential and commercial habitational coverage.
We work with carriers who actively write STR
We place coverage across a 17-carrier specialty panel of admitted and surplus lines markets that price for short-term rental exposure — not the standard homeowners or landlord carriers that surcharge or exclude transient occupancy. We shop the placement rather than steering hosts toward whichever carrier sits at the top of a quote engine.
We know the regulatory environment in every state
STR regulation varies dramatically by state and city — Nashville's Type 1/Type 2 permits, New Orleans's Type R/T/NR framework, Chicago's Shared Housing Ordinance, the New York Local Law 18 reality. We work the state-and-local regulatory question at placement so the policy form matches how the property actually operates.
We respond in 1–2 hours
Quote requests submitted through the STR Guard quote form are typically returned within 1–2 hours during business hours (Mon–Fri 9 AM – 5 PM Eastern). Complex multi-coverage placements may take longer, but you'll hear back from us the same business day.
About STR Guard
- Licensed in 48 states — only Hawaii and Alaska excluded.
- 17 carrier partners actively writing short-term rental coverage.
- Specialists in Airbnb, VRBO, and platform-listed STR property coverage.
- Independent agency — we work for you, not a single carrier.
Get a Quote in Any State
Submit the quote form or call us directly. We'll structure a coverage program from carriers in the STR specialty market actively writing in your state and get back to you within 1–2 hours during business hours.