pikl Review: Short-Term Rental Insurance (2026)

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Overview

pikl is an insurance provider specialising in short-term rental properties. They offer coverage tailored for STR hosts, protecting against guest damage, liability, and property risks.

  • For hosts who need insurance that understands the unique risks of short-term rentals (as opposed to standard landlord insurance), pikl provides specialised coverage.
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pikl
STR Insurance
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Professional rating
2.5/5
Rated 2.5 out of 5
Rubric score
50/100
50/100
2.5/5

Verdict: pikl scores 2.5/5 (50/100) in our review — hard to recommend over the alternatives. Biggest strength: STR-specialised insurance coverage. Main drawback: UK-focused provider.

At a glance

What it does
  • STR-specialised insurance coverage
  • Guest damage and liability protection
  • Loss of rental income coverage
Best for
  • hosts seeking damage protection
  • property managers with portfolios
Not ideal for
  • Extreme budget hunters

Pros & Cons

Highlights and considerations for pikl.

Pros
  • STR-specialised insurance coverage
  • Guest damage and liability protection
  • Loss of rental income coverage
Cons
  • UK-focused provider
  • Insurance is location-specific
  • Premium cost varies by property and location

Scores

50/100
We test against our insurance rubric (coverage breadth, claims process, pricing transparency, host experience, etc.). Scores use a 100-point scale.

Strong in setup and ease of use; weaker in claims process for STR insurance.

Setup
8/10
Claims process
1/10
Policy automation
2/10
Coverage breadth
1/10
Ease of use
7/10
Team & scale
4/10
Support
7/10
Documentation
5/5
Value for money
7/10
Reliability
7/10

Hands-on Review Notes

Pricing

Best value: Standard — Varies by property
Pricing at a glance
PlanMonthlyBase includes
StandardVaries by propertyGuest damage, liability, loss of income

Integrations

Common integrations supported by pikl.

No public integrations listed for this tool.

Trial Guide: What to Test

During your trial or demo, focus on claims process and confirm daily workflows.

What to test in the trial
  1. Get a quote and compare coverage limits against your current policy
  2. Check what’s excluded (e.g. hot tubs, pets, specific perils)
  3. Review the claims submission process and required documentation
  4. Verify per-booking vs. annual pricing and calculate total annual cost

Alternatives

If you need stronger claims process, consider these alternatives to pikl.

Proper Insurance
Proper Insurance
Proper Insurance is a specialty carrier for US vacation rentals that completely replaces your homeowner or landlord policy with a commercial STR policy custom‑penned with Lloyd’s of London and Concert Specialty. It combines homeowners, landlord and business insurance in one contract, covering the building, contents, business income, and commercial liability whether the property is rented, vacant or owner‑occupied. Coverage includes theft and damage by guests, bed bugs (with lost income), liquor/pet/pool/hot‑tub liability, ordinance or law, and actual loss sustained business income with no time limit. Premiums are quote‑based but typically fall in the ~$1,000–$3,000/year range for most single‑family STRs, depending on value, location and risk factors.
Read review
S
Safely
Quick alternative – click to read more.
Read review

FAQ

Answers to common questions about setup, pricing, and deployment.

Community experiences

Real-world notes from hosts who have used pikl.

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Sources

Documentation and references used in this review.

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