Use dotted terms for definitions. You can also browse the glossary.
Before you decide
- Platform acceptance is not insurer acceptance.
- Describe direct bookings and every material amenity.
- Compare platform contracts and the proposed policy separately.
Describe how guests use the property
Record stay length, booking frequency, owner presence, platforms, direct bookings, services and amenities. Include pools, hot tubs, animals, equipment and events where applicable. NAIC’s home-sharing guidance explains why rental activity deserves an insurance review beyond an ordinary owner-occupied assumption.
Prepare ownership, local use permissions, building condition and property-management details. A permit does not establish policy coverage, and an insurance quote does not establish legal hosting permission.
Compare response by event
| Event | Questions |
|---|---|
| Guest injury | Insured parties, accepted activities and liability exclusions? |
| Damage between stays | Cause, actor, property definition and claim duties? |
| Unavailable rental | Covered trigger, income evidence and duration? |
| Owner stays or empty periods | Permitted occupancy and notification? |
Coordinate the operating controls
Keep turnover inspection, incident escalation and vendor authority records. Review current platform claim requirements and insurer notice separately; one report may not satisfy both.
Save the proposed forms and accepted hosting description. Revisit after a new amenity, platform, management arrangement or booking model is introduced.
Sources & scope
- NAIC: Insurance coverage for home-sharing rentals
General guidance dated March 19, 2020. Verify current platform terms and insurance forms.
Sources checked October 24, 2026. General descriptions do not replace the policy, endorsements, declarations or an insurer’s coverage determination. Examples are hypothetical unless explicitly identified otherwise.
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