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Wister Insurance

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Finally, an Insurance Agency for Vacation Rental Managers & Co-Hosts

10/28/2026

Airbnb’s new house rules take effect for reservations booked on or after November 20, and most of the conversation has been about dishes and stripped beds.

The bigger changes for vacation rental managers and co-hosts? Hosts generally can no longer require separate rental agreements or collect guest IDs.

Those two tools work together. A rental agreement documents what the guest agreed to. An ID confirms who that guest actually is. Without them, managers have less protection when something goes wrong, but their responsibility to homeowners stays the same.

We broke down what’s changing, which exceptions may apply, and what managers can do now to protect their owners and their business. 👇
https://www.wister.insure/blog/airbnb-house-rules-guest-screening-rental-agreements?utm_source=facebook&utm_medium=social&utm_campaign=airbnb_houserules_october26&utm_content=caption_link

10/14/2026

Thank you .with.katie for having Darren on the podcast.

- Being listed as ‘additional insured’ on the owner’s policy is not adequate coverage.
- Why you need E&O (Professional Liability) as a short-term rental manager
- Real life case studies

Listen to the episode here: https://tr.ee/hpLiDRG-UQ

10/09/2026

And the winner is… 🥁

Congrats to Grant Desjaurdins for winning our $200 prize at
Thank you to everyone who stopped by the Wister/Waivo booths!🦁☂️

08/25/2026

Wister Insurance is BBB accredited.

Accreditation is not something a company can buy. You apply, you get reviewed, and you commit to standards on honest advertising, transparent pricing, complaint responsiveness, and customer privacy. Fall out of compliance and you lose it.

We ask short-term rental managers to trust us with the claim that could end their business. You should not have to take only our word for how we operate.

More information on this accreditation here: https://www.wister.insure/blog/wister-insurance-bbb-accredited?utm_source=fb&utm_medium=social&utm_campaign=bbb_accreditation&utm_content=caption_link

08/21/2026

A maintenance issue gets reported. It's documented. The repair gets scheduled, then pushed.

Six weeks later a guest is seriously injured by the thing that was on the list.

Here's the problem. The allegation is that you failed to oversee maintenance properly, and your general liability policy may read that as a professional services matter. But the outcome is bodily injury, and your E&O policy may read that as outside its form.

Two policies. Two denials that hold up on their own paper. One management company (you) paying for the defense in the meantime.

That's the part that gets underestimated. Long before anyone decides whether the claim has merit, someone funds the defense, and legal defense is often the most expensive part of a claim that never establishes liability at all.

We broke down how this happens, what to ask whoever placed your coverage, and how to check your own program.

https://www.wister.insure/blog/contingent-liability-insurance-short-term-rental-managers?utm_source=facebook&utm_medium=social&utm_campaign=contingent_liability&utm_content=caption_link

08/10/2026

Most STR managers can tell you they have general liability. Far fewer can tell you what it actually does and how it covers them.

Full breakdown of CGL here: https://www.wister.insure/blog/commercial-general-liability-cgl-insurance-short-term-rental-managers-cohosts?utm_source=facebook&utm_medium=social&utm_campaign=cgl_breakdown&utm_content=caption_link

07/31/2026

A lot of policies won't pay for this.

Damage to the homes you manage is one of the most common claims in this business. Cleaner leaves a faucet running, water line goes, AC unit leaks onto the floor. And a lot of policies specifically leave that out.

Two things worth checking your policy for: CG 2270 and CGL 1613. The first cuts out damage to homes you manage. The second means your coverage only holds up if the endless paperwork is current on every single property.

Check out the full CGL breakdown here: https://www.wister.insure/blog/str-manager-cohost-policy-endorsements-cgl?utm_source=facebook&utm_medium=social&utm_campaign=cgl_endorsements&utm_content=caption_link

07/17/2026

Vacation rental manager. Airbnb co-host. Short-term rental manager.

Three different titles, one answer: Wister prices them by the same strategy. Same policy, same coverage, same math. The duty of care doesn't change based on what you call yourself.
Coverage for your whole business starts at under $4 a day for up to 5 properties.

Your price is set by three things:
✓ How many properties you manage
✓ The state you operate in
✓ The add-ons your business actually needs

Never your revenue and never a different rate because of your title.

Full pricing breakdown here: https://www.wister.insure/blog/str-manager-cohost-insurance-cost?utm_source=facebook&utm_medium=social&utm_campaign=strmanager_cohost_insurance_cost&utm_content=caption_link

07/15/2026

Wrong. Co-hosts are liable for the decisions they make, and you make all of them.

Guest injuries on your watch. Professional mistakes like double-bookings and pricing errors. Vendor decisions. And the one nobody sees coming: if your mistake costs the owner money, their insurer can come after YOU. Your client can become your claimant.

And we bet the protections you're counting on are probably not built around what you actually do.

Full breakdown of what Airbnb & VRBO co-hosts are actually liable for, and what coverage actually works: https://www.wister.insure/blog/airbnb-co-host-insurance-liability?utm_source=facebook&utm_medium=social&utm_campaign=cohost_liability_insurance&utm_content=caption_link

07/02/2026

Wister is a proud partner of the Right To Rent Collaborative 🤝

R2RC pools funding from across the STR industry and grants it to state and local associations. These associations are the people advocating for fair short-term rental rules. There has been $187K granted so far, representing 618,000+ rentals.

Regulatory rules will be written no matter what, and it's important for the industry to have the right people in the room when they are.

We protect STR managers from lawsuits, claims, and coverage gaps, but no insurance policy covers regulation. Supporting advocacy is how we help protect the risk we can't insure.

Full story here: https://www.wister.insure/blog/short-term-rental-manager-insurance-r2rc-advocacy?utm_source=facebook&utm_medium=social&utm_campaign=wister_r2r_partner&utm_content=caption_link

Address

865 Technology Boulevard, Suite B
Bozeman, MT
59718

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 4pm

Telephone

+18882411902

Website

https://www.wister.insure/?utm_source=facebook&utm_medium=social&utm_campaign=website_visit&utm_content=bio_link

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