Great for
STR operators on a connected PMS (Hostaway, Hostfully, Guesty) who want a low-flat-rate guest-damage and accidental-medical layer they can pass through to guests as a nightly fee.
InsuraGuest Review: Is It Worth It?
Our independent take on InsuraGuest from an STR operator lens. No sponsored placements. From $69 • No free trial.
Our verdict
Affordable flat-rate guest protection layer for PMS-connected operators
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.
What we like
Most claims paid within 72 hours on a no-fault model
The vendor advertises 72-hour payouts and a 'first-payor' approach where claims are handled regardless of who's responsible, reducing guest dispute friction during a stay.
Guest-fee pass-through built into the workflow
Operators can recover the subscription cost as a ~$3/day add-on through their PMS or OTA (Airbnb, VRBO, Booking.com), effectively zeroing out the line item.
Pre-integrated with the major STR PMS platforms
Rather than custom plumbing, InsuraGuest ships pre-built integrations with Hostaway, Hostfully, Guesty, Lodgify, OwnerRez, Tokeet, Track, and others.
Predictable flat-monthly subscription
Unlike percentage-of-booking insurance products, InsuraGuest charges a single flat fee per account regardless of nights booked or portfolio revenue.
Where it falls short
Coverage caps are modest for higher-end portfolios
The top tier maxes out at $25,000 — fine for typical guest mishaps, but light for luxury homes or larger damage scenarios where a true high-limit per-occurrence policy would be more appropriate.
Mixed third-party reviews on claims responsiveness
While the vendor markets 72-hour payouts, independent comparison content from Uplisting notes inconsistent host-side experience and limited host-specific testimonials.
Property-manager-program pricing is opaque
The public site advertises individual host tiers but does not publish a transparent rate card for multi-property managers or PMS-channel deals.
It's an add-on, not a replacement
InsuraGuest is positioned as a layer on top of existing insurance — operators still need underlying landlord/structural property coverage and any high-limit liability separately.
Is InsuraGuest right for you?
OK for
Multi-unit managers who want blanket coverage across a portfolio without underwriting each property separately, provided they accept the $10K–$25K coverage cap.
Skip if
You need full structural/landlord property insurance, high-limit liability above $25K, or carrier-of-record protection — InsuraGuest is a layer, not a replacement.
Pricing in one line
From $69 • No free trial
Two flat-monthly subscription tiers: $69/mo (up to $10,000 coverage) and $99/mo (up to $25,000 coverage). Hostfully partner page lists $60/$90 figures — likely partner-channel or older pricing. Costs can be passed through as a guest fee (~$3/day).
See full pricing breakdown →Ready to try InsuraGuest?
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