Sample estimate
A worked example for a 3-bedroom Airbnb worth ~$450,000 with a pool, at $220/night and 65% occupancy.
What Airbnb insurance costs for an example property
Your property details → a specific short-term-rental insurance cost band and a coverage-gap checklist, with a quote handoff.
Example inputs
- Property value
- $450,000
- Bedrooms
- 3
- Nightly rate
- $220
- Occupancy
- 65%
- Pool / hot tub
- Pool
Estimated STR insurance
$3,744–$7,098 / year (a range, not a quote). Roughly $52,195 projected annual revenue at 65% occupancy.
Why your current policy probably won't cover it
• A standard homeowner policy excludes "business use" — hosting is commercial activity. • A landlord/DP-3 policy assumes a long-term tenant, not nightly guests. • Neither covers guest injury liability, guest theft of your contents, or lost booking income.
Coverage gaps to close
• Commercial general liability (guest injuries) — often $1M/$2M. • Business-income / loss-of-rents if the unit is un-rentable after a claim. • Attractive-nuisance / pool-and-spa liability — carriers scrutinize this. • Bed-bug / squatter riders if your market sees them.
A modeled estimate to set expectations — not a quote or a guarantee of price or coverage. Final terms come only from the insurer after they review the property.
This is just the example. Price your own property.
Enter your value, beds, nightly rate, occupancy, and amenities to get your own cost band and gap checklist.
Estimate your own property →Get a real quote
Ready now? A specialist STR insurer gives you the real, bindable number.
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