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STR Insurance Premium Calculator

STR properties need specialty insurance, not standard homeowners; budget accordingly.

Property value

Annual STR revenue

Liability limit ($k)

Property rate / $100k value

Liability rate / $1k limit

Annual premium

$2,575

Property premium

$1,575

Liability premium

$800

How the math works

Property = (value / 100k) × rate. Liability = limit × rate + base fees.

$450k / $100k × $350 + 2000 × $0.40 + $200 = $1,575 + $800 + $200 = $2,575.

Editorial noteMaintained by EveryCalc - Reviewed June 2026

EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.

Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.

Learn more about our review process on the EveryCalc methodology page.

How this calculator works

What this page estimates

This STR Insurance Premium Calculator is built to give a quick, browser-based estimate for str insurance premium. STR properties need specialty insurance, not standard homeowners; budget accordingly. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.

Calculation approach

The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.

Example workflow

For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.

Practical checks

Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
Run a low, base, and high case when the inputs are estimates.
Check the related calculators below when the next decision depends on a different assumption.

How to interpret the str insurance premium result

Best use

Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.

Cross-check

Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.

Watch for

Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.

This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.

Before relying on this str insurance premium estimate

Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.

Confirm source numbers

Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.

Separate cash flow from total cost

A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.

Run conservative cases

Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.

Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.

How to Use

Enter property value.
Enter annual STR revenue.
Enter liability limit.
Enter rate per $100 property value.
Enter liability rate per $1k limit.
Read annual premium.

Frequently Asked Questions

Why specialty STR insurance?

Standard homeowners excludes commercial use (STR is commercial). Claims on STR activity: denied. Specialty STR insurance: property + liability + lost rental income, approved for short-term rental business. Providers: Proper Insurance, Slice, CBIZ, Comet, Allianz. Annual premiums: $800-3,500 for single property. Multi-property portfolios: $500-2,000/property with volume discount.

Coverage components?

(1) Property replacement: $200-400 per $100k value. (2) Liability ($1M-5M limit): $300-1,000/year. (3) Lost rental income: $200-500/year. (4) Guest injury: included in liability. (5) Flood/earthquake (if applicable): $500-3,000/year additional. (6) Inland marine (contents): $200-600/year. Comprehensive STR package: $800-3,000 typical single-family STR.

Coverage gaps?

Standard STR policies miss: cyber liability (data breach on booking system), bed bug treatment ($1-3k/incident), intentional damage by guests (often excluded), vicarious liability for tenant activities. Umbrella policy: $500-1,500/year for $1M-5M additional liability. Business auto policy: if owner drives to property regularly for management. Workers comp: if hiring cleaners or maintenance as employees.

Portfolio discounts?

Single property: $1,500-2,500 typical. 2-5 properties: $1,200-1,800 per property. 6-20 properties: $800-1,500 per property. 20+ properties: $500-1,100 per property. Umbrella coverage ($1-10M) covers entire portfolio: $1,500-5,000/year. Commercial Property policy if portfolio >5 properties: may be more cost-effective than individual specialty policies.