All tools/InsuraGuest

Insurance & ProtectionUpdated 2026-04-25

InsuraGuest

Flat-rate guest damage and accidental medical coverage for short-term rentals

At a glance

Updated 2026-04-25

Best Value

Affordable flat-rate guest protection layer for PMS-connected operators

Best for: STR operators on a connected PMS who want a low-flat-rate guest-damage and accidental-medical layer they can pass through as a guest fee

Pricing

From $69 • No free trial

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What InsuraGuest actually is

InsuraGuest is a flat-rate guest-damage and accidental-medical insurance layer for short-term rental operators. It sits on top of an operator's existing property insurance and is pre-integrated with major PMS platforms so the cost can be passed through to guests as a nightly fee. Claims are administered on a no-fault, first-payor basis through partnerships with Crum & Forster.

Core features

Flat-monthly subscription with no per-booking percentage
No-fault, first-payor claims model
Guest-fee pass-through via PMS or OTA
Pre-built integrations with major STR PMS platforms
Two coverage tiers: $10K and $25K
Claims administered through Crum & Forster partnership

Pros

Flat $69 or $99/mo — predictable cost regardless of booking volume
No-fault claims model reduces dispute friction with guests
Cost can be passed through as a nightly guest fee
Pre-integrated with Hostaway, Hostfully, Guesty, and other major PMSs

Cons

Top tier caps at $25,000 — light for luxury or large-home damage
Mixed third-party reviews on claims responsiveness
Property-manager and PMS-program pricing is not publicly published
Layer on top of existing insurance, not a replacement policy

Best for

STR operators on a connected PMS who want a low-flat-rate guest-damage and accidental-medical layer they can pass through as a guest fee

Not for

Operators needing full structural/landlord property insurance, high-limit liability above $25K, or carrier-of-record protection

Is InsuraGuest right for you?

Honest per-segment take. Click any card for the full breakdown.

1–5 listings

Small portfolios

Great fit

If you've got 1–5 listings on a connected PMS, $69/mo flat for guest damage and medical coverage is hard to beat — and you can pass it through as a nightly fee.

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5–20 listings

Mid-sized portfolios

Okay fit

Blanket coverage across a portfolio is convenient, but property-manager pricing isn't publicly published — you'll need to ask for a rate card.

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20–100 listings

Large portfolios

Niche fit

At enterprise scale you almost certainly need a high-limit per-occurrence policy and a transparent property-manager rate card — neither of which InsuraGuest publicly offers.

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Airbnb primary

Airbnb-first hosts

Great fit

Airbnb hosts can pass the ~$3/day cost through as a guest fee and add a real damage/medical layer on top of AirCover.

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Vrbo primary

Vrbo-first hosts

Great fit

VRBO hosts get the same flat-rate, pass-through-able guest protection layer; vendor explicitly lists VRBO as a supported channel.

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3+ channels

Multi-channel operators

Great fit

If you're distributing across Airbnb, VRBO, and Booking.com via a connected PMS, InsuraGuest gives you one blanket policy and one guest-fee pattern across all channels.

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Best for Small Hosts

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Best Overall

Portfolio hosts who want the broadest possible STR coverage and are willing to pay a premium for specialized protections like squatter and amenity liability.

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Awning Insurance

Solid Option

First-time Airbnb investors who want a one-page triage of the four most-cited STR carriers without filling out four separate quote forms.

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