Home Sharing
& Rental
Purpose-built coverage for short-term rental operators on Airbnb, VRBO, and direct booking platforms. Fill the gap your homeowners policy leaves open — from guest liability to property damage, income loss to regulatory compliance.
The AI / Modern Angle
The short-term rental economy relies on AI-powered dynamic pricing platforms, automated guest communications, smart locks, and noise monitoring devices. These technologies are essential for operating at scale — but they create coverage gaps that standard homeowners policies explicitly exclude. Most hosts don't realize their homeowners policy voids coverage the moment they accept a paying guest. Platform "host protection" programs are secondary coverage with significant exclusions. Our home sharing policies are primary coverage designed specifically for the STR business model, with dynamic premium adjustments based on your actual booking calendar — you only pay for coverage when your unit is active.
Core Coverage Points
Guest Liability
Primary liability coverage for guest injuries, property damage to neighboring units, and incidents occurring during stays.
Guest Damage Protection
Coverage for intentional and accidental property damage caused by guests — from broken furniture to major structural damage.
Lost Rental Income
Business interruption coverage for lost booking revenue during repair periods, including platform listing suspension.
Smart Lock & IoT
Coverage for losses resulting from smart lock failures, IoT device malfunctions, and automated access system breaches.
Regulatory Compliance
Protection against fines and legal costs from short-term rental regulatory violations, zoning disputes, and licensing issues.
Pay When You Host,
Not When You Don't
Our dynamic pricing model syncs with your booking calendar — you pay full premium only during active rental periods and a reduced standby rate when the unit is unoccupied. This usage-based approach can reduce annual premiums by 30–40% compared to traditional annual policies.
Whether you operate a single spare room or a portfolio of 50+ units, we scale coverage and pricing to match your actual operations.
"I was paying $4,800/year for a standard commercial policy on my 3 Airbnbs. Ocean Falls' dynamic model cut that to $2,900 and gave me better coverage — including smart lock failure, which my old policy excluded."