Specialty insurance agency for short-term rentals, Airbnb hosts, and VRBO owners — licensed in 48 states.

Who we are

Independent agency with a single focus

STR Guard Insurance is an independent insurance agency that specializes exclusively in coverage for short-term rental properties and operators. We operate as a DBA of Wexford Insurance, LLC, NPN 19887690, and are licensed in 48 states — all U.S. states except Hawaii and Alaska. We're headquartered at 107 N State Road 135, Suite 304, Greenwood, Indiana 46142, and were founded by Nate Jones and Kami Jones. Short-term rental insurance is our sole industry focus.

Built for short-term rental owners

We work daily with the policy forms and frameworks that make short-term rental insurance distinct from standard homeowners or landlord coverage. Most STR properties are listed on Airbnb, VRBO, or both — and the underwriting realities of platform-driven rentals are different: DP-3 dwelling forms vs. commercial habitational forms, NFIP and private flood markets, transient occupancy tax frameworks, ordinance and law gap exposure, and the state and city regulatory patchwork governing STR operation. We understand how carriers in the STR specialty market underwrite property type, guest capacity, amenity profile, claims history, and operating model — including the operating model differences between owner-occupied Airbnb hosts and full-time VRBO property owners.

"After years of seeing STR property owners underinsured by generalist agencies, my wife Kami and I founded STR Guard with one focus: structuring coverage that matches the way short-term rental properties actually operate."

— Nate Jones, CPCU

We place the full lineup an STR operator typically needs — general liability for STR, property/dwelling, loss of rents, ordinance and law, contents and furnishings, flood (NFIP and private market), umbrella/excess, equipment breakdown, cyber liability for booking platform credentials and networked smart-home devices, builder's risk during renovation, tenant discrimination liability, and liquor liability. The property types we cover include single-family STRs, beach houses, cabins and mountain rentals, condos, multi-unit and duplex STRs, owner-occupied STRs, co-hosted properties, and portfolio operations.

Direct relationships with STR specialty markets

As an independent agency, we represent 17 specialty carrier markets that write short-term rental risks, and we shop each account across those markets rather than steering owners toward any single insurer. Because we're not captive to any one carrier, our recommendations are driven by what fits the property, operating model, geography, claims history, and occupancy — not by carrier quotas or sales incentives.

You can reach us by phone at 317-942-0549 or by email at info@strguardinsurance.com, and we return most quote requests within one to two business hours. Our website includes property-type guides, state-specific resources, and an online quote request form. We serve Airbnb hosts, VRBO hosts, single-property owners, small portfolio operators (2–5 properties), mid-size portfolios (6–20 properties), and large-portfolio operators (20+ properties) across 48 states, and we write policies for both first-time hosts and established operators consolidating coverage with a specialty agent.