Short-Term Rental Airbnb Insurance 2027 Calculator

Standard homeowners and landlord policies exclude short-term rentals (Airbnb, VRBO). AirCover (Airbnb's host protection) is secondary, not primary, and excludes major perils. A real short-term rental policy from Proper, CBIZ, or Slice fills the gap. This 2027 calculator estimates premium.

Why AirCover Isn't Enough

Airbnb's AirCover provides up to $1M host protection but: it's secondary coverage (your insurance pays first), it excludes liability claims by guests injured at your property when they sue you personally, it excludes pollution, communicable disease, and certain natural disasters. Worse, AirCover only triggers if Airbnb's investigation accepts the claim — disputed claims often die in mediation. True STR insurance is primary and gives you control.

True STR Carriers Worth Knowing

Proper Insurance: the leader — commercial-grade policy that replaces both your homeowners and landlord policies, designed exclusively for STRs. CBIZ Slice / Slice: per-night usage-based — only pay for nights you rent. Good for occasional hosts. Steadily: landlord-focused with STR endorsement. Liberty Mutual STR: standard carrier with STR-specific endorsement. Avoid: standard HO-3 with "home-sharing rider" — these have small sub-limits and often deny large claims.

STR Coverage Gaps To Close

Loss of rental income: pays your nightly rate if a covered loss makes the property unbookable. Business income from squatter: covers extended displacement if a guest refuses to leave. Guest contents: limited coverage for guest belongings (most policies exclude). Bed bug / pest treatment: usually excluded — buy separate endorsement. Theft by guest: covered under Proper and others. Local law violations: if your city bans STR, insurance may deny — verify legality first.

STR Insurance Mistakes Hosts Make

(1) Relying solely on AirCover — secondary coverage, excludes personal liability suits against you, requires Airbnb's claim acceptance. Buy primary STR coverage. (2) Keeping HO-3 with home-sharing rider — sub-limits are typically inadequate ($25K-$100K). Upgrade to true STR carrier (Proper, CBIZ, Slice). (3) Ignoring local STR legality — many cities (NYC, SF, Honolulu) now restrict STR; insurance may deny if rental was illegal. (4) Skipping commercial liability — slip-and-fall claims are the #1 STR claim type. Personal liability won't respond to business-related guest injuries.

Last updated May 2026. Sources cited in tool output.