Insurance Policy Tracker for Airbnb Hosts — STR Coverage Gap Analyzer + Renewal Calendar — Excel + Sheets

Every policy. Every renewal date. Every uninsured-exposure gap. Insurance policy tracker for Airbnb / STR hosts — STR dwelling, umbrella, vehicle, business, AirCover backup. Plus 8-category coverage gap analyzer. Excel + Google Sheets.

Your homeowner's policy excludes STR rental — but you're still paying
premium to it. Your umbrella doesn't actually cover commercial liability
above AirCover's gap. Your vehicle policy denies the claim because you
were "using the car for business" on a supply run.

These gaps don't show up until you file a claim and get denied. By then,
you're $40K out of pocket. This workbook is the pre-claim audit: every
policy mapped, every renewal date tracked, every coverage gap surfaced
across 8 risk categories.

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WHAT'S INCLUDED
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📋 Policy Register
· Carrier, policy #, type (STR dwelling / umbrella / vehicle / business / cyber / other)
· Properties covered, coverage limits, deductible, annual premium, renewal date
· Agent + emergency claim contacts

📋 Coverage Gap Analyzer (8 risk categories)
1. Dwelling/structure damage (storm, fire, theft) — base policy
2. Personal liability — base policy
3. Loss of business income during repairs — often missing
4. Short-term rental endorsement — many homeowners' policies EXCLUDE STR
5. Commercial liability above AirCover's gap
6. Cyber / data breach (for direct-booking hosts)
7. Vehicle (commercial use) — personal auto often excludes business use
8. Workers comp (if you have employees, even part-time)

📋 Renewal Calendar — yellow at 60 days, red at 30
📋 Carrier Comparison — paste 3 quotes at renewal, compare premium / deductible / limits / exclusions

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COMMON GAPS THIS CATCHES
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· "STR endorsement not on dwelling policy" — claim denied for guest damage
· "Umbrella excludes STR rental" — fine print most hosts don't read
· "Vehicle commercial use not covered" — denial for accident on supply run
· "Business interruption coverage missing" — roof damage = 6 weeks closed = $48K of lost revenue with NO insurance recovery

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WHO THIS IS FOR
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· STR hosts running 1+ properties
· Multi-property operators with multiple carriers
· Hosts approaching policy renewal who want to shop carriers
· Anyone whose claim was ever denied for "exclusion you didn't know about"

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FILE COMPATIBILITY
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✅ Excel 2016+ · ✅ Excel 365 · ✅ Google Sheets

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REFUNDS
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14-day refund, no questions. hello [!at] thestrledger.com.

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⚠ Digital product. Not insurance advice. Coverage gap analysis is structural — verify specific exclusions with your agent.