If you’re managing short-term rentals in 2025, insurance is no longer a "nice-to-have." It’s a necessary part of running a reliable, scalable business. Property managers deal with the realities of guest damage, accidents, and unexpected disruptions every day. And when something goes wrong, your team is often the first call. The right short-term rental insurance isn’t just about protecting your units. It’s about protecting your time, your owner relationships, and your reputation.

Here’s why property managers are increasingly embedding short-term rental insurance into every stay—and how it can simplify operations while giving owners peace of mind.

1. Traditional Coverage Often Leaves Gaps

Property managers know the drill: an owner thinks their regular homeowners policy covers guest stays. But then a guest knocks over a TV or damages a sofa, and the homeowners insurance claim is denied. Most standard policies exclude short-term rental activity, and even when coverage exists, it rarely aligns with the realities of hosting.

Short-term rental insurance fills those gaps with coverage designed with your business in mind.

With SmartSTR™ by Tint, you’re backed by coverage that responds to:

• Accidental guest damage to contents or furnishings
• Real property damage caused by a guest during a stay
• Guest injuries that happen on the premises during a reservation (bodily injury or real property liability)

No guesswork. No awkward back-and-forth with the owner. Just coverage that activates with each new booking.

2. Guests Break Things. SmartSTR™ Helps You Make It Right.

We’ve all seen it: —a wine spill on the rug, a cracked sink, a broken dining chair. Most guests don’t mean to cause damage. But it happens. What matters is how quickly and professionally you respond.

SmartSTR™ Property Damage Protection provides:

• Coverage for guest-caused accidental damage 
• Tiered contents protection up to $50,000 per reservation

And because coverage is triggered by the reservation itself, there’s no need to manually enroll each property or toggle coverage on and off. That means less tracking, fewer gaps, and more confidence across your portfolio.

3. The Silent Risk: Guest Injuries

Slip-and-falls. Tripping down stairs. Accidental injuries during a stay are real risks that can carry real and expensive liability exposure for the properties you manage.

SmartSTR™ General Liability includes:

• $1 million per-claim coverage for bodily injury or real property damage
• Guest medical payment coverage during the rental period

This coverage applies only during contracted guest stays, so it aligns with property occupancy. And while claims do need to be filed, the process is designed to be efficient.

4. Coverage That Works Behind the Scenes

Insurance shouldn’t slow you down or keep you from managing properties. SmartSTR™ is built for speed and scale, with coverage that syncs directly to reservation data. Once a booking is confirmed, coverage is automatically applied—no action required from your team.

That means:

• Every new reservation is covered
• Simple, streamlined claims process
• A consistent peace of mind, on every reservation

SmartSTR is about reducing friction when damage happens so your ops team can focus on what they do best.

5. The Dreaded Bed Bug

You don’t need to be told how disruptive bed bugs can be. Cancelled bookings, guest relocation, soft furnishings replacement—it’s an expensive, reputation-damaging headache.

SmartSTR™ offers bed bug remediation coverage with:

• Up to $15,000 per stay for remediation and potential revenue loss
• Replacement of linens, rugs, and other soft furnishings
• Guest relocation to a hotel when needed

For managers juggling high occupancy calendars, it’s the kind of backup that protects both revenue and relationships.

6. A Smarter Way to Earn Owner Trust

Trust is built in the moments where something goes wrong—and how you handle it. SmartSTR™ makes it easier to show owners that you’ve got their back, even when a guest leaves behind more than memories.

Managers using SmartSTR™ report:

• Fewer disputes over damage
• Higher satisfaction from guests and owners
• Stronger conversion when pitching new properties

When owners see that you’ve proactively included guest damage and liability protection, they gain confidence in your professionalism.

Final Thoughts

If you’re in property management, you’re in the business of solving problems. You’re balancing guests, owners, vendors, platforms—and doing it all with margins that depend on speed and satisfaction.

SmartSTR™ was built for that world. It’s short-term rental insurance that works the way you do: responsive, practical, and built into the tools you already use.

Let’s talk about how coverage can support your team, your owners, and your growth—one booking at a time.