Short-term rental properties come with unique risks—from guest damage to liability claims and loss of income. Standard insurance policies often don’t fully cover these scenarios.
Hospitable now offers an asset protection solution through Align Insurance Services. This includes insurance tailored to short-term rentals, along with guidance on structuring your business to reduce risk.
This article explains what Align is, how it works, and what hosts should expect.
Ready to request a quote or apply for coverage? Visit www.aligninsure.com and complete the form.
What is Align Insurance Services?
Align Insurance Services is a licensed insurance brokerage owned by Hospitable. It operates as a separate company focused on serving short-term rental hosts.
Licensed in all 50 U.S. states
Home office in Georgia (License #: 244921)
Coverage available for U.S. properties only
Align also supports:
Mid-term rentals
Long-term rentals
Align Insurance Services operates as a separate company from Hospitable, even though it is owned by Hospitable.
What is asset protection?
Asset protection means putting the right structures in place to protect:
Your property
Your income
Your personal assets
Align focuses on three key areas:
Owners Insurance for your property
Liability protection for hosting activity
Entity structure (such as LLCs) to separate personal and business risk
Align goes beyond insurance. We advise on entity structure so your assets are protected and your ownership stays anonymous to the public.
Why standard insurance may not be enough
Many standard homeowners or landlord policies are designed for primary residences or long-term rentals.
Short-term rentals introduce different risks:
Guests are unfamiliar with the property
Properties may sit vacant between stays
Amenities like hot tubs or pools increase liability
Guests may bring pets or host gatherings
These differences can lead to gaps in coverage.
Some traditional policies may not cover short-term rental activity even if the property is listed as a rental. Always verify your policy details.
How Align works
Align is an insurance broker. This means it:
Works with 30+ insurance carriers
Compares coverage options on your behalf
Helps carriers compete for your business
Helps hosts find coverage that fits their property and use case
Instead of applying to multiple providers individually, you can submit one request and receive multiple options.
Coverage designed for short-term rentals
Align helps hosts access policies that may include protections such as:
Business interruption (lost income from canceled bookings)
Slow water leak coverage
Animal-related liability
Liquor liability (when applicable)
Squatter protection
Off-premise liability
These are examples of short-term rental–specific risks that are not always included in standard policies.
Coverage varies by carrier. Not all policies include all protections.
Real-world claim examples
These examples illustrate how short-term rental–specific coverage can apply:
$100,000 damage claim: Guest party caused major damage. A short-term rental policy covered both damage and lost income.
$200,000+ claim: Pipe burst during peak season. Coverage included both repairs and lost booking revenue.
$2.4 million liability claim: Guest injury near the property. Liability coverage protected the host from major financial exposure.
Entity structure and additional protection
Align also helps hosts understand how to structure their business for better protection.
This may include:
Holding properties in an LLC or land trust
Creating a separate management entity
Structuring ownership to limit personal liability
Align can guide hosts and connect them with partners for entity setup.
Entity setup services may involve third-party providers and associated costs.
Insurance for co-hosts and property managers
If you manage properties you don’t own, Align offers:
Co-host and management liability insurance
This type of coverage is designed for hosts operating as a business, including those managing properties for others.
Personal umbrella policies may not cover business or co-hosting activities.
Cost and availability
Quotes are free
Align is paid by insurance carriers, not by hosts
Available on all Hospitable plans
Available in all 50 U.S. states
There is no cost to request a quote through Align.
Applying for insurance
To request a quote or apply for coverage:
Visit www.aligninsure.com
Log in using your Hospitable credentials
Select the properties you wish to insure
Complete the inquiry or application form to submit your information for comparison across carriers
Align can also review your existing policy for comparison.
Switching from another provider
If you are already insured through providers like Steadily or Proper, Align can still help.
Align can become your broker of record, which means:
Your existing policy remains active
Align reviews your policy at renewal
Align shops your coverage across multiple carriers
Align helps review your coverage and compare options across carriers
Policy support and ongoing service
Align provides ongoing support after a policy is active, including:
Adding an additional insured
Ownership changes
Opening new policies
Annual policy reviews
Frequently asked questions
Does Hospitable offer insurance?
Yes. Hospitable offers insurance through Align Insurance Services, including Owners Insurance and liability coverage for hosts.
What is Align Insurance Services?
Align is a licensed insurance brokerage owned by Hospitable, focused on short-term rental hosts.
Where is Align licensed?
Align is licensed in all 50 U.S. states. Coverage is available for U.S. properties only. Align's home office is in Georgia (License #: 244921).
How much does a quote cost?
Nothing. Quotes are free. Align is paid by insurance carriers.
Can Align cover long-term rentals?
Yes. Align supports short-term, mid-term, and long-term rental properties.
I’m already insured through Steadily or Proper. Can Align help?
Yes. Align can become your broker of record and review your policy at renewal to help you review your coverage and compare options across carriers.
Can Align cover my car?
Not yet. Align currently offers Owners Insurance and liability coverage for hosts only. Auto and other casualty lines are on the roadmap.
Where do I apply or get a quote?
You can request a quote through Hospitable or visit Align’s website at www.aligninsure.com.
Does Align help with policy changes after I’m insured?
Yes. Align supports ongoing policy management, including changes, updates, and annual reviews.