WE GET EXCITED ABOUT INSURANCE
So you don't have to
We focus on finding the right insurance for your unique situation. Homes, rentals (short-term and long), LLCs, trusts, umbrellas, autos, flood … all policies we personally have, and we find the best options for ourselves and our clients.
IS YOUR VACATION HOME PROTECTED?
Imagine that you paid for coverage on your properties for years, one day you learn your insurance company never insures short-term rentals even though your agent was fully aware of the nature of your business.
When this happened to us we set out to find insurance that was designed for our needs and help others to the same.
Commercial policies that target short-term rental owners often exclude foundations and excavation
How much could this cost you >
Foundations and excavation make up approximately 12% of the total cost to rebuild a home, on the average house this would be over $33,000, homes destroyed by fire often require new foundations, make sure you will not be required to pay this cost to rebuild your home
If you have a homeowners or landlord policy you will want an endorsement that states "business does not include your property rented or held for rental by you to others as a private residence" otherwise your coverage can be excluded
The endorsement your policy should have >
Homeowners and landlord policies often exclude your short-term rental as a business use
OUR POLICIES COVER
PROPERTY DAMAGE
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Replaces your existing policy with building, other structures and personal property coverage
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Unlike most commercial policies for short-term rentals we include coverage for foundations and excavation
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LIABILITY PROTECTION
Read More >
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Liability, medical payments and personal injury protection from lawsuits regardless of source of booking
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Corporations, LLCs, partnerships and trust accepted as named insured
LOSS OF BOOKINGS
Read More >
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Select the coverage amount for loss of rents, maintaining your income while recovering from a loss
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Loss of income is not covered by AirBnB or HomeAway free insurance policies
HOW WE HELP YOU
GET A
QUOTE
Getting a quote gives us the opportunity to learn about your situation and potential risk areas
1
YOU REVIEW
OPTIONS
We provide you with quotes and insurance options designed to protect you
2
PROTECT YOUR
LIVELIHOOD
Select the coverage that provides you with true livelihood protection
3
STR Insure
190 Turner Street
Southern Pines, NC 28387
(800) 352-3416