Close the 4 coverage gaps, then get one real quote

1. 1

   Commercial general liability (guest injury)

   Hosting is a business, so a homeowner policy’s "business use" exclusion can deny a guest-injury claim. Hosts commonly carry a $1M / $2M commercial GL limit.

   Confirm with the insurer: Confirm with the insurer: what GL per-occurrence and aggregate limit is on the policy, and that nightly guest activity is explicitly covered?

2. 2

   Business-income / loss-of-rents

   If a covered loss makes the unit un-rentable, you keep paying the mortgage while bookings stop. A landlord DP-3 assumes one long-term tenant, not nightly income.

   Confirm with the insurer: Confirm with the insurer: is lost booking income covered, for how many months, and how is the nightly revenue documented?

3. 3

   Pool / spa & attractive-nuisance liability

   A pool or hot tub is the single item carriers scrutinize most — it can be excluded outright or require a separate endorsement and safety conditions (fencing, signage, covers).

   Confirm with the insurer: Confirm with the insurer: is the pool/hot tub covered, and what safety requirements must be met to keep that coverage valid?

4. 4

   Guest contents, theft & vandalism

   Neither a homeowner nor a landlord policy reliably covers your furnishings when the damage is caused by a paying guest. Furnished STRs carry real replacement cost.

   Confirm with the insurer: Confirm with the insurer: are your contents covered against guest-caused damage and theft, at replacement cost or actual cash value?

General guidance to prepare for a quote — not a coverage guarantee or an offer. Exclusions, limits, and eligibility are set only by the insurer after they review the property.

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