STR Guest Damage Claim Calculator

Guest damage costs require insurance and deposit coverage.

Avg damage per incident

Incidents per year

AirCover limit

Security deposit

AirCover approval rate %

Expected uncovered loss

Total annual claims

$2,400

Covered by AirCover

How the math works

Total claims = damage × incidents. Covered by deposit + AirCover. Remaining uncovered.

$300 × 8 = $2.4k claims. $500 × 8 = $4k deposit caps. $0 remaining for AirCover. $0 uncovered.

How to Use

Enter avg damage per incident.
Enter incidents per year.
Enter Airbnb AirCover limit.
Enter security deposit.
Read expected uncovered loss.

Frequently Asked Questions

Airbnb AirCover?

Up to $3M property damage protection. Up to $1M liability. Included with all Airbnb bookings. Deductible varies. Claim process 30-60 days. Denies claims frequently for 'normal wear and tear' disputes.

Typical claims?

Property damage per stay: $50-500 typical. Major incidents (broken TV, wall damage, furniture destruction): $1000-5000. Rare catastrophic (fire, flood): $10k-100k+. Run at 2-5% of bookings have any claim.

Best practices?

Document property condition before/after each stay. House rules clearly stated. Security cameras (exterior). Video of property pre/post. Receipts for all purchases. These improve claim success rate significantly.

How do insurance carriers view this?

Insurance carriers underwrite per-peril and often stack deductibles — named storm, wind, hail, flood, and standard can all apply separately on a single event. Confirm with your broker which deductibles actually apply to your policy and stress-test liquidity against the highest applicable deductible. Endorsements and riders can modify base terms; read declarations carefully and keep a written summary on file for claim time.