How many STR insurance tools has STR Specialist reviewed?

STR Specialist has independently reviewed 11 STR insurance tools for short-term rental hosts, tested on real listings. Every tool is scored on features, pricing, support, ease of use, and integrations — rankings are never sponsored.

Best STR Insurance for STR Hosts (2026)

Q: What is the best STR insurance software for Airbnb hosts in 2026?

Proper Insurance is the top pick for most Airbnb hosts: Specialized short-term rental insurance for homeowners, offering comprehensive coverage for property, liability, and business income tailored to Airbnb/VRBO hosts. Other strong options include Safely (Vacation rental protection service that combines guest screening with up to $1,000,000 in host damage insurance for every reservation.) and Superhog (Guest verification and damage protection platform that provides ID screening and insurance-backed guarantee against guest-caused damage.).

What does STR insurance software actually do?

Standard homeowner and landlord insurance policies typically exclude or limit coverage for short-term rental activity. STR-specific insurance covers guest liability, property damage from bookings, and loss of rental income — the three scenarios where standard policies fall short. Airbnb's AirCover provides some protection but has significant exclusions that a dedicated policy fills.

Editor's picks for 2026

Independently tested and reviewed — no paid placements.

Proper Insurance

Top Pick

Specialized short-term rental insurance for homeowners, offering comprehensive coverage for property, liability, and business income tailored to Airbnb/VRBO hosts.

Commercial STR policy
Liability coverage
Host liquor liability

Varies (policy-based)

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Safely

Vacation rental protection service that combines guest screening with up to $1,000,000 in host damage insurance for every reservation.

4.7/5

★★★★⯨

Background screening
Accidental damage insurance
Liability coverage

Per-booking fee

Read Review

Superhog

Guest verification and damage protection platform that provides ID screening and insurance-backed guarantee against guest-caused damage.

4.6/5

★★★★⯨

ID verification
Damage waiver
Guest reputation checks

Free basic, paid add-ons

Read Review

See all str insurance tools in the directory →

All 11 STR insurance tools compared

Every STR insurance tool we’ve reviewed, ranked by score. Updated August 2026.

#	Tool	Score	Pricing	Best for	Links
1	Proper Insurance Top Pick	—	Varies (policy-based)	Specialized short-term rental insurance for homeowners, offering comprehensive coverage for property, liability, and business income tailored to Airbnb/VRBO hosts.	Review →
2	Safely	4.7/5	Per-booking fee	Vacation rental protection service that combines guest screening with up to $1,000,000 in host damage insurance for every reservation.	Review →
3	Superhog	4.6/5	Free basic, paid add-ons	Guest verification and damage protection platform that provides ID screening and insurance-backed guarantee against guest-caused damage.	Review →
4	Autohost	4.5/5	Varies (per screening)	An automated guest screening and background check system that evaluates bookings for risk, verifies IDs, and flags potential party reservations.	Review →
5	Guest Ranger	—	Per-screening or subscription	Guest screening and identity verification platform for short-term rental hosts. Helps hosts vet potential guests, verify identities, and reduce the risk of problematic bookings.	Review →
6	Rental Guardian	—	Varies by coverage	Insurance and guest damage protection provider for short-term rental hosts and property managers. Offers coverage options that protect against guest-caused damage, liability, and property risks.	Review →
7	Ensuro	—	Varies by property	Insurance provider for short-term rental properties, offering coverage options for hosts and property managers.	Review →
8	pikl	—	Varies by property	Insurance provider specialising in short-term rental properties. Offers coverage tailored for STR hosts, protecting against guest damage, liability, and property risks.	Review →
9	InsuraGuest	—	Subscription	Short-term rental insurance for guest-caused damages and liability.	Review →
10	Slice	—	Per-night premium	On-demand homeshare insurance that allows Airbnb hosts to purchase coverage only for the nights they have guests, supplementing their existing homeowner's policy.	Review →
11	GUARDHOG	—	Usage-based	Pay-per-stay home-sharing insurance for hosts.	Review →

STR Insurance — frequently asked questions

What is the best STR insurance software for Airbnb hosts in 2026?

Proper Insurance is our top pick for most hosts — Specialized short-term rental insurance for homeowners, offering comprehensive coverage for property, liability, and business income tailored to Airbnb/VRBO hosts. Safely and Superhog are strong alternatives depending on your portfolio size and budget; see the comparison above for the full ranking.

How do we score these tools?

Every tool is tested on real listings before it appears here. Scores weigh features (30%), pricing (25%), support (20%), ease of use (15%), and integrations (10%). We never accept payment for placement or positive coverage — affiliate links never affect rankings.

Who reviews them?

Prayas Choudhary — Airbnb Ambassador and 9-year host with 25,000+ guests hosted across 250 properties in 9 countries. Tools are re-checked as vendors ship major updates.