The short answer
Short-term rental is a business use excluded from most US HO policies. You need a home-sharing endorsement (Allstate HostAdvantage, Proper, Slice) or a commercial STR policy. Airbnb Aircover is secondary and doesn't replace primary insurance.
Frequently asked
- Does Airbnb Aircover cover everything?
- No — it excludes cash, jewelry, and has strict claim windows and evidence requirements.
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