@Kile0.....Hi there Kile, I am really disappointed nobody has responded to your question. The question is totally legitimate, and no doubt affects many thousands of people who host across America. I can't believe that all these hosts 'fly by the seat of their pants' and can't offer a solution to the problem of hosting insurance.
Here in this country (Australia) we have a number of companies that work specifically with the Airbnb platform, with companies offering cover by the night, right through to annual premium policies for hosts who do a lot of hosting. Because of the scale of home hosting in this country, major insurers are falling over themselves offering policies to cover this very lucrative slice of the insurance market!! I can literally insure my cottage as a guest walks up to the door and immediately receive a policy as a PDF for the agreed contract!
By reading posts on this topic on the CC there are only two companies that I am aware of in the US which gets involved with short term rental insurance, and they are CBiZ. and 'Proper Insurance' which operates out of Maryland, but know nothing about this company other than, it does sound similar to our 'Sharecover'. Maybe a call to the Insurance council of America could point you in the right direction.
Kile, I would love to be of more help but where insurance on the CC is concerned, in the US we seem to be rather 'stonewalled'. There doesn't seem to be any companies 'shouting cover from the rooftops' and I fear a high percentage of hosts in America 'go it alone' and hope that nothing goes wrong.
I am truly sorry I can't be of more help.....cheers.....Rob
