Security, Insurance & Damage Claims

Most standard policies don't cover short-term rental activity. Here's what hosts actually need before their first guest arrives. 

Most hosts assume they're covered. They've had their homeowner's policy for years, they're responsible people, and they figure Airbnb's built-in protection probably handles the rest. 

Then something happens. A guest slips on a wet step. A pipe bursts during a stay and damages their belongings. Someone throws a party that ends with a broken window and a neighbor complaint. 

That's when they find out their policy has a short-term rental exclusion. An exclusion is a clause in your policy that removes coverage for specific situations. In this case, it means renting your home to guests isn't covered at all. 

A host recently came in preparing to list her property for the first time. She had permits figured out, photos scheduled, pricing researched. STR-specific insurance had never come up in any conversation she'd had. Not from Airbnb, not from her agent, not from anyone who'd encouraged her to list. She wasn't careless. Nobody told her. 

As a short-term rental host, you may receive booking requests from guests with service animals. Understanding the rules and best practices for handling these requests ensures that you remain compliant with platform policies while providing an inclusive and welcoming experience.

This guide explains how SHD helps hosts manage service animal requests, what the policies are, and how to handle concerns related to these requests, including pet fees for non-service animals.

Accidents happen, but SuperHost Depot (SHD) makes it easy for hosts to file damage claims and recover costs. Whether a guest damages furniture, breaks an appliance, or causes excessive cleaning needs, SHD ensures a smooth and efficient claims process.

SHD handles all claim documentation and processing, with different coverage levels depending on your Co-Host Plan:

• Co-Host Pro Plan – SHD assists with documentation, ensuring hosts have the evidence needed to file claims with Airbnb, VRBO, or insurance providers.
• Co-Host Premium Plan – SHD handles full claims management, from submission to resolution, including guest negotiations and platform disputes.

If you need to file a claim manually, you can do so through SHD HostDesk™.

Fraudulent bookings can lead to financial loss, property damage, or even unauthorized parties. SuperHost Depot (SHD) helps hosts prevent fraud by implementing security measures, verification processes, and proactive monitoring. This guide outlines how to detect and prevent fraudulent bookings while ensuring a safe and profitable rental experience.