Airbnb · VRBO · Direct-Booked · Texas & Florida
Every standard HO-3 — and every Texas HO-A and HO-B form — contains a business activity exclusion. The moment your property starts generating nightly revenue, you're running a business out of a personal policy. Most hosts in Austin, the Hill Country, 30A, and Miami don't find out until a claim gets denied. We place short-term rental coverage with carriers that actually write the exposure, across 30+ markets.
About 2 minutes · No obligation · Single doors through full portfolios
The Coverage Gap
This isn't a technicality buried in the fine print. It's the core design of the form. A homeowners policy insures a residence you occupy — not a lodging operation with strangers, turnover cleaners, and revenue.
The three ways it goes wrong
1. The business exclusion applies. Guest injury, guest property damage, and liability arising out of rental activity fall outside the personal liability coverage you're paying for. 2. The occupancy is misrepresented. If the application said owner-occupied or long-term tenant and the property is on a booking platform, the carrier can rescind the policy back to inception — not just deny the claim. 3. The non-renewal arrives. Carriers now audit listing sites. Many hosts learn their coverage was never valid when the cancellation notice shows up, not when they file.
Host protection programs from the booking platforms are limited, conditional, and secondary. They are not a substitute for a property and liability program.
Standard forms restrict or exclude coverage once a dwelling sits unoccupied past a set number of days. STR properties in seasonal markets routinely cross that line between bookings.
A furnished rental carries thousands of dollars in contents that exist to be used by strangers. Personal property coverage on a homeowners form isn't built for that pattern of wear, theft, and damage.
What We Place Instead
Three components, written together so there's nothing falling between them.
Property
The structure insured for its actual use — a revenue-producing rental property, not a primary residence.
Income
When a covered loss takes the property off the market, the mortgage doesn't pause. This coverage replaces the revenue while it's down.
Liability
Primary liability that responds when a paying guest is injured on your property — the exposure a homeowners policy specifically excludes.
Market Knowledge
Austin
City registration and licensing requirements sit alongside HOA restrictions and deed covenants. Carriers ask about permit status. Central Texas hail drives percentage wind and hail deductibles on the property side.
Texas Hill Country
Remote properties often carry a poor protection class, which changes both pricing and appetite. Wildfire scoring, septic systems, well water, low-water crossings, and flash flood exposure all factor into how the risk gets placed.
30A & the Florida Panhandle
Named-storm deductibles apply per building, and coastal capacity is limited. High-value beach properties with pools and multi-unit occupancy need wind terms and liability limits reviewed together, not separately.
Miami & South Florida
Condo association minimum-lease rules and master policy structure determine what your unit-owner coverage actually needs to do. Hurricane deductibles, loss assessment, and walls-in versus all-in master policies drive the whole program.
One door or thirty. We'll review what you have, tell you plainly where it fails, and shop 30+ carriers for what it should be. No pressure, no runaround.
Run Your STR Coverage DiagnosticCoverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Policy form behavior varies by carrier, state, and edition. Availability, eligibility, and pricing vary by state, carrier, and risk. Submitting a request does not bind coverage. Wirehaired Trust is a dba of Pointeriaus, a licensed independent property & casualty insurance agency in Texas and Florida.