Is InsuraGuest Worth It?
The honest take — no sales pitch, no "it depends" cop-out. Who it fits, who should skip it.
Verdict
Yes — for the right operator
For PMS-connected STR operators who want a cheap, pass-through-able guest damage and medical layer, $69/mo flat is a clear yes.
Realistic cost: $69/mo flat ($10K coverage) or $99/mo flat ($25K coverage)
Worth it if you…
- Worth it if you operate on Hostaway, Hostfully, Guesty, OwnerRez, Lodgify, Tokeet, or Track
- Worth it if you can pass a ~$3/day fee through to guests via your PMS or OTA
- Worth it if you want predictable flat-monthly pricing instead of percentage-of-booking insurance
- Worth it if your typical damage exposure fits comfortably under $25,000
Skip it if you…
- Skip if you need full structural/landlord property insurance
- Skip if you need high-limit liability coverage above $25,000
- Skip if you manage luxury or large-home portfolios where $25K won't cover a typical incident
- Skip if you need a transparent enterprise/property-manager rate card up front
What to try instead
Consider Safely or Proper Insurance if you need higher coverage limits or a true carrier-of-record policy.
See all InsuraGuest alternatives →Is InsuraGuest right for you?
Honest per-segment take. Click any card for the full breakdown.
1–5 listings
Small portfolios
If you've got 1–5 listings on a connected PMS, $69/mo flat for guest damage and medical coverage is hard to beat — and you can pass it through as a nightly fee.
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5–20 listings
Mid-sized portfolios
Blanket coverage across a portfolio is convenient, but property-manager pricing isn't publicly published — you'll need to ask for a rate card.
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20–100 listings
Large portfolios
At enterprise scale you almost certainly need a high-limit per-occurrence policy and a transparent property-manager rate card — neither of which InsuraGuest publicly offers.
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Airbnb primary
Airbnb-first hosts
Airbnb hosts can pass the ~$3/day cost through as a guest fee and add a real damage/medical layer on top of AirCover.
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Vrbo primary
Vrbo-first hosts
VRBO hosts get the same flat-rate, pass-through-able guest protection layer; vendor explicitly lists VRBO as a supported channel.
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3+ channels
Multi-channel operators
If you're distributing across Airbnb, VRBO, and Booking.com via a connected PMS, InsuraGuest gives you one blanket policy and one guest-fee pattern across all channels.
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Ready to try InsuraGuest?
From $69 • No free trial
Build your stack
See whether InsuraGuest fits your actual STR stack
Worth-it pages answer one vendor question. The stack-builder turns that into a full setup order across operations, pricing, guest messaging, and direct booking.