Short Term Rental Insurance Built for Short Term Rental & Vacation Rental Hosts
– Fast quotes based on your actual STR operations.
Real coverage that protects your property, income, guests, and liability — structured specifically for hosts, not generic homeowners policies.
Dedicated STR Policies You Can Rely On
We work with carriers that understand the real risks of short term rental hosting including guest turnover, liability exposure, and lost income events. Instead of guessing coverage, you get properly priced and classified options tailored to your property.
Protection That Delivers on Its Promise
Don’t just take our word for it, see why families trust Canopy for their insurance needs.
Comprehensive Coverage That Matches How You Host
Getting coverage shouldn’t be complicated. Our process makes it easy to explore options, customize your protection, and stay covered with confidence every step of the way.
Dwelling Protection
Coverage for structure damage caused by fire, storm events, vandalism, or other covered losses.
Guest Liability Protection
Protects you if a guest gets injured during their stay or files a liability claim.
Contents & Furnishings Coverage
Furniture, appliances, decor, electronics, and rental equipment protection.
Loss of Rental Income
Income replacement if your property becomes uninhabitable because of a covered issue.
Umbrella & Excess Options
Optional higher liability limits for hosts with significant assets or high exposure.
Get Covered in 3 Simple Steps
Step 1
Tell us about your property and rental operations.
Step 2
We match you with carriers that specialize in STR insurance.
Step 3
Choose the coverage plan that protects your asset and income.
Step 1
Tell us about your property and rental operations.
Step 2
We match you with carriers that specialize in STR insurance.
Step 3
Choose the coverage plan that protects your asset and income.
Why We Ask Detailed Questions
To deliver an accurate STR quote, carriers require real risk information like:
Estimated nights booked each year
- Protects your family financially when life takes an unexpected turn.
- Choose from flexible plans covering education, mortgage, and more.
- Apply online with add-ons for extra protection.
Projected annual rental revenue
- Protects your family financially when life takes an unexpected turn.
- Choose from flexible plans covering education, mortgage, and more.
- Apply online with add-ons for extra protection.
Property systems and updates
- Protects your family financially when life takes an unexpected turn.
- Choose from flexible plans covering education, mortgage, and more.
- Apply online with add-ons for extra protection.
Guest activity exposures like pools, animals, events
- Protects your family financially when life takes an unexpected turn.
- Choose from flexible plans covering education, mortgage, and more.
- Apply online with add-ons for extra protection.
Contents replacement value
- Protects your family financially when life takes an unexpected turn.
- Choose from flexible plans covering education, mortgage, and more.
- Apply online with add-ons for extra protection.
Safety features and risk mitigators
- Protects your family financially when life takes an unexpected turn.
- Choose from flexible plans covering education, mortgage, and more.
- Apply online with add-ons for extra protection.
Providing these details prevents exclusions, mispricing, or denied claims and ensures the policy covers how you actually operate.
Why We Ask Detailed Questions
To deliver an accurate STR quote, carriers require real risk information like:
- Ownership and mortgage details
• Estimated nights booked each year
• Projected annual rental revenue
• Property systems and updates
• Guest activity exposures like pools, animals, events
• Contents replacement value
• Safety features and risk mitigators
Providing these details prevents exclusions, mispricing, or denied claims — and ensures the policy covers how you actually operate.
Life Insurance
- Protects your family financially when life takes an unexpected turn.
- Choose from flexible plans covering education, mortgage, and more.
- Apply online with add-ons for extra protection.
Health Insurance
- Protects your family financially when life takes an unexpected turn.
- Choose from flexible plans covering education, mortgage, and more.
- Apply online with add-ons for extra protection.
Home Insurance
- Protects your family financially when life takes an unexpected turn.
- Choose from flexible plans covering education, mortgage, and more.
- Apply online with add-ons for extra protection.
Auto Insurance
- Protects your family financially when life takes an unexpected turn.
- Choose from flexible plans covering education, mortgage, and more.
- Apply online with add-ons for extra protection.
Real Hosts, Real Protection
“STR Insurance Advisors explained every coverage section clearly and matched me with a policy built for short term hosting. I sleep better knowing I’m covered.”
Airbnb Host
“After storm damage, the income protection they structured helped me pay bills while repairs were finished. This coverage really works.”
Vacation Rental Owner
“They knew exactly what questions to ask. My quote was accurate and the policy fits how I host year round.”
Multi-property STR Owner
Protect Your Short Term Rental With Confidence
Unexpected events happen. Don’t wait until a claim to find out your policy didn’t cover what you needed. Get a custom STR insurance quote built from your actual property and rental details.
Frequently Asked Questions
Is homeowners insurance enough for STR?
In most cases no. Standard homeowners policies often exclude business activity or frequent guest turnover.
Does this cover guest injuries?
Yes, liability coverage is included in properly structured short term rental policies.
Can I insure multiple short term rental properties?
Yes. We can structure coverage for individual properties or small portfolios.
How quickly can I Speak With an STR Specialist?
Most quotes are prepared within 24 hours depending on property details.