STR Insurance
🛡️ STR Insurance
Standard homeowners insurance does not cover short-term rental activity. STR-specific insurance covers liability for guest injuries, property damage, lost rental income, and bed bug treatment. Required by most lenders and HOAs for properties operating as Airbnbs.
4 providers
P
Proper Insurance
NATIONAL · STR SPECIALIST
The original STR insurance specialist. Backed by Lloyd's of London. Covers liability, property damage, lost income, and bed bug treatment. Required by many DSCR lenders.
✓ $3M liability coverage
✓ Bed bug coverage
✓ Loss of income protection
✓ Lloyd's backed
CoverageAll 50 states
$1,500–$3,500/yrGet Quote →
S
Steadily
NATIONAL · LANDLORD + STR
Landlord and STR insurance with online-first quoting. Faster quotes than Proper but slightly less STR-specific coverage. Good fit for hybrid LTR/STR portfolios.
✓ Online quote in minutes
✓ Multi-property discount
✓ Covers LTR + STR
✓ Fast claims
CoverageAll 50 states
$800–$2,500/yrGet Quote →
R
Ranger Insurance
NATIONAL · STR + INVESTOR
Comprehensive policies for STR investors and small portfolios. Includes commercial general liability, property coverage, and loss of business income.
✓ Commercial GL
✓ Multi-property coverage
✓ Personal injury liability
✓ Online quote
CoverageAll 50 states
$1,200–$3,000/yrGet Quote →
O
Obie
NATIONAL · INVESTOR-FOCUSED
Tech-forward landlord and STR insurance. Built for real estate investors with fast online quotes and policy bundling for multiple properties.
✓ Quote in 2 minutes
✓ Bundle multiple properties
✓ STR coverage available
✓ Online policy management
CoverageAll 50 states
$700–$2,200/yrGet Quote →
STR Insurance
🛡️ STR Insurance
Standard homeowners insurance does not cover short-term rental activity. STR-specific insurance covers liability for guest injuries, property damage, lost rental income, and bed bug treatment. Required by most lenders and HOAs for properties operating as Airbnbs.
4 providers
P
Proper Insurance
NATIONAL · STR SPECIALIST
The original STR insurance specialist. Backed by Lloyd's of London. Covers liability, property damage, lost income, and bed bug treatment. Required by many DSCR lenders.
✓ $3M liability coverage
✓ Bed bug coverage
✓ Loss of income protection
✓ Lloyd's backed
CoverageAll 50 states
$1,500–$3,500/yrGet Quote →
S
Steadily
NATIONAL · LANDLORD + STR
Landlord and STR insurance with online-first quoting. Faster quotes than Proper but slightly less STR-specific coverage. Good fit for hybrid LTR/STR portfolios.
✓ Online quote in minutes
✓ Multi-property discount
✓ Covers LTR + STR
✓ Fast claims
CoverageAll 50 states
$800–$2,500/yrGet Quote →
R
Ranger Insurance
NATIONAL · STR + INVESTOR
Comprehensive policies for STR investors and small portfolios. Includes commercial general liability, property coverage, and loss of business income.
✓ Commercial GL
✓ Multi-property coverage
✓ Personal injury liability
✓ Online quote
CoverageAll 50 states
$1,200–$3,000/yrGet Quote →
O
Obie
NATIONAL · INVESTOR-FOCUSED
Tech-forward landlord and STR insurance. Built for real estate investors with fast online quotes and policy bundling for multiple properties.
✓ Quote in 2 minutes
✓ Bundle multiple properties
✓ STR coverage available
✓ Online policy management
CoverageAll 50 states
$700–$2,200/yrGet Quote →