What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Airbnb & Short-Term Rental Portfolios Insurance Calculator, Comparison & Guide

Prong 1 · Interactive Calculator

STR Portfolio Coverage & Gap Estimator

Compare a proper STR policy against relying on platform host protection for your whole portfolio.

Number of STR units

Average dwelling replacement cost ($)

Average contents/furnishings ($)

Portfolio annual gross rent ($)

Any units in coastal / wind-tier counties?

Any units with pool / hot tub?

Wind/hail deductible %

Results
Line	Estimate
Total insured value	—
Blended STR property rate	—
Property premium (STR form)	—
Liability ($1M/occ, STR-specific)	—
Loss of rents (12 months)	—
Estimated annual portfolio premium	—
Per unit per year	—
Wind/hail deductible per unit per stormApplies per building, per occurrence.	—
Platform host liability (per-listing, conditional)Platform coverage is secondary, excludes many perils, and is not a policy you own.	—

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

Get the real number — Start Smart Intake

Prong 2 · Comparison Table

STR Coverage Options

Landlord policy vs. platform protection vs. dedicated STR form.

Criterion	Standard Landlord (DP-3)	Platform Host Protection	Dedicated STR Policy
Short-term rental use	Often excluded	Yes (during booking)	Included
Guest injury liability	Excluded if STR	Up to $1M, conditional	$1M–$2M, owned
Guest theft / damage to contents	Excluded	Host damage program (not insurance)	Included
Loss of income	Fair rental value	Excluded	Actual STR income
Vacancy between bookings	Restricted	Excluded	Included
Bed bugs, squatters, liquor	Excluded	Excluded	Optional
Commercial umbrella eligibility	Excluded	Excluded	Included
Best fit	Long-term tenants only	Backstop only	Any STR operator

Included: covered in base form
Excluded: not available
Optional: available by endorsement
Limited: sublimited or conditional

Prong 3 · Deep-Dive Guide

Insuring an Airbnb / STR Portfolio in Texas and Florida

Platform protection is not a policy. Here's what to buy, how to structure multiple units, and what coastal deductibles really cost.

Why your homeowners or landlord policy fails

Both exclude 'business use' or limit rental to long-term tenants. A claim during an STR stay is a claim on an excluded activity.

Disclosure matters: undisclosed STR use is grounds for rescission
Landlord DP-3 typically requires leases ≥ 30 days
Platform 'host protection' is secondary, capped, and has broad exclusions

Portfolio structure

Above three to five units, a commercial STR schedule beats individual policies.

One policy, scheduled locations, blanket liability
Entity as named insured with owner as additional insured
Blanket limit option to avoid per-unit under-insurance
Umbrella over the schedule at $2M–$5M

Coastal reality

Galveston, Port Aransas, the Florida panhandle: wind/hail or hurricane deductibles are percentages of value, per building.

Model 2% vs. 5% with our wind/hail calculator
Flood is separate (NFIP or private) — STR units near water are almost always in flood zones
TWIA / Citizens for wind if the private market declines

Frequently Asked Questions

Do I need a business entity for STRs?

Not for insurance, but LLC ownership must be reflected on the policy or coverage can fail. Talk to your CPA and attorney.

Does the STR policy cover my own occasional use?

Most dedicated STR forms allow owner use; confirm the 'owner-occupied days' language.

Are pools and hot tubs a problem?

Not excluded, but underwriters want fencing, signage, and a hot-tub inspection schedule. Premium is modestly higher.

Related: Airbnb insurance Texas · short term rental insurance · STR portfolio coverage · vacation rental Florida

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your airbnb & short-term rental portfolios exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.

Airbnb & Short-Term Rental Portfolios Insurance: Calculator, Comparison Table & Guide