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As a short-term rental (STR) host, your property is more than a home—it’s a business generating income and guest experiences. But here’s a hard truth: if you’re relying on a standard homeowner’s policy, a landlord policy, or even Airbnb’s $1M Host Guarantee, you’re likely underinsured. These policies often exclude coverage for paid guests, leaving you vulnerable to costly damages, lawsuits, or lost income. In 2025, with STR regulations tightening and guest expectations rising, securing the right insurance is non-negotiable. The good news? With specialized STR insurance, you can protect your business affordably and effectively. Here’s a guide to the essential insurance types you need, key questions to ask, and how NSTRA’s Preferred Sponsors can help you find the best coverage.

Why STR-Specific Insurance Is Critical

Unlike traditional rentals, STRs involve frequent guest turnover, increasing risks like property damage, injuries, or legal disputes. A 2024 Insurance Journal report found ...