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Insurance can feel like alphabet soup, until something goes wrong. In this interview, I sit down with Nick Sommer of Country Financial (and one of my buyers!) to break down exactly what short-term rental owners need: how to structure coverage for STRs vs. primary/secondary homes, must-have endorsements, loss-of-income realities, and why an umbrella policy can be the difference between a scare and a disaster. Nick also shares the personal house-fire story that led him into insurance and the simple annual habit that can save you months of headache during a claim.

Because “I have insurance” isn’t a plan. If you’ve ever wondered whether your STR is actually covered for what you do, hot tubs, guest injuries, burst pipes, tornadoes, income loss—this episode turns jargon into plain English and gives you a checklist to bring to your agent.

Thinking about insurance for your short-term rental? DM me on Instagram at @theairbnbroadmap with your questions or share your progress! I’d love to cheer you on and help you out.