**The problem it solves** Standard homeowner and landlord insurance policies typically exclude coverage for paying guests, leaving STR hosts exposed when a guest is injured or steals from the property. **What insuraguest does** InsuraGuest is a US-based insurance platform that provides specialised liability and damage coverage for vacation rental properties. The platform fills the gap left by traditional policies by activating coverage per booking through a passthrough nightly guest fee. **How it works** The platform offers two core products. Guest liability insurance covers medical expenses for guest-caused injuries up to $25,000 with no deductible. Theft coverage reimburses up to $2,500 per booking for guest-caused theft. Coverage is activated per booking and the cost is passed through as a nightly guest fee starting at $8.95, requiring no upfront capital from property managers. InsuraGuest is licensed in all 50 US states and underwritten by A++-rated carriers. The platform integrates with major PMS systems, automating policy binding, fee addition to bookings, policy document delivery to guests, and claim handoff to the carrier. Evidence capture for incidents and reimbursement tracking are included. An AI risk-scoring module assists with guest screening at checkout. **Who it's for** Vacation rental property managers and individual hosts seeking to eliminate out-of-pocket guest incident costs without purchasing blanket insurance policies, with coverage that scales with occupancy at zero net cost to the operator.
Listed on STR Market Map, the short-term-rental software marketplace.