The coverage gap in short-term rentals, closed.
Traditional homeowners policies weren't written for hosting. SmartSTR™ was. Comprehensive insurance for short-term rental hosts — covering guest damage, bed bugs, theft, and liability — embedded directly in the platforms they already use.
Real coverage for what actually happens in short-term rentals.
Standard homeowners and landlord policies exclude commercial use — which means the moment a guest checks in, the gaps open up. SmartSTR was built to cover exactly what those policies miss, with limits and terms that reflect how hosting actually works.
Guest-caused property damage
Contents coverage from $500 up to $50,000 for accidental damage to furniture and removable belongings — broken fixtures, wine spills, pet damage, damaged linens. Real property coverage for structural damage caused by guests during their stay.
Bed bug infestation
Up to $15,000 per stay for remediation costs and lost revenue while a property is offline. A risk traditional policies won't touch — and one of the most disruptive claims a host can face.
Theft
Coverage for guest theft and missing items, with a filed police report. Because it happens, and hosts deserve to be made whole when it does.
Host liability
General and real property liability coverage up to $1,000,000 per claim, with a $2,500 deductible. When a guest makes a claim against a host, they're protected.
Linens and pets
Coverage extends to all linens and to guest-caused damage from pets. No carve-outs for the everyday realities of hosting.
No minimum claim amount
Hosts can file claims of any size. There's no threshold to clear before coverage kicks in.
Coverage limits and availability vary by plan and property location. All coverages are subject to policy terms, conditions, exclusions, and applicable state requirements.
Coverage that fits the way you manage properties.
SmartSTR offers two tiers so platforms can offer the right level of coverage for their hosts. Coverage is selected at the portfolio level — property managers choose the tier that fits their business and it applies consistently across all their properties.
Bundle
Most popular
The full package — contents, bed bug, real property, and liability combined.
Contents Only
Focused coverage
Contents coverage plus bed bug coverage, without the liability component.
Contact us for full rate details.
Coverage tied to the booking. No extra steps for hosts.
Booking confirmed
A reservation is made in your platform. SmartSTR coverage is available to the host instantly — tied directly to the stay, no separate purchase process required.
Coverage active
From check-in to check-out, the host's property is protected. The guest doesn't need to do anything. The host doesn't need to call an agent.
If something goes wrong
Claims are handled promptly and professionally — with clear communication at every step so your customers can get back to what they came to do. The experience reflects directly on your platform, and we build our programs with that in mind.
Available across the U.S.
SmartSTR is available across the U.S. Coverage availability and limits may vary by property location — contact us for details.
Trusted by platforms protecting thousands of properties.
Guesty, OwnerRez, and Escapia — three of the most trusted names in property management software — all offer SmartSTR to their hosts. Escapia brings SmartSTR to more than 900 property management companies across the United States.
Also available: Chargeback Protection
Hosts can recover losses from illegitimate guest chargebacks — without the lengthy dispute process. Ask us how to add it alongside SmartSTR.
Learn about Chargeback Protection →When something goes wrong, speed is everything.
A bed bug claim means a property is offline. A damage claim from a guest stay can put a host's next booking at risk. Our claims team understands what's at stake — and they move quickly. From first notice to final resolution, we communicate at every step, keep the process simple, and get hosts back to hosting as fast as possible. That experience is a direct reflection on your platform. We take that seriously.
Your hosts take care of their properties. Let's make sure they're covered when guests don't.
SmartSTR is available now. Let's talk about what it looks like inside your platform.