
What a Standard Homeowner Policy Excludes: Short-Term Rental Insurance Gaps
A homeowner policy is written for a dwelling occupied by its owner. Let it to paying guests and the same document starts reading a different property, because the stay is commercial. This guide sets out why that happens, the three exclusions a claim meets first — liability for a paying guest, damage caused by a guest, and loss of income — what an endorsement can and cannot repair, and the five questions an insurer asks before it will quote.








