The coverage worksheet: what your policies say, in writing

Which unit

Name the unit to keep this in your saved work on this device. Export or import your saved work

1. The 60-second protection inventory

Check every layer you can already point to in writing.

• Guest screening or identity verification.
• A guest-caused damage layer (deposit, waiver, or protection product).
• Core short-term-rental property policy that names STR use in writing.
• Liability coverage that covers guest and visitor injury.
• Contents / furnishings coverage at a known valuation basis.
• Business income / loss-of-rents coverage.
• A clear read on each booking platform’s protection terms.
• Written confirmation that your policy permits repeated STR use.

These ticks are shared with the Protection Stack self-check, which groups them into the five protection layers.

Policies and renewal dates

Renewal dates you enter here are offered to your maintenance and renewal calendar for you to confirm.

2. Channel-by-channel coverage matrix

Add a row for every way a guest can book your unit, in your own words. Fill each cell with the policy, product, or platform term that applies, or leave it blank if nothing does.

3. Amenity & exposure register

List every amenity and exposure a carrier would want disclosed, and record whether each is covered or excluded.

4. Exclusions reader: find these five words in your policy

Open your actual policy form and look for each word. Check it once you have read what your policy says about it.

5. Written-confirmation record

Anything an agent says that is not on the policy form is not coverage. Record what you asked, who answered, when, and where the writing lives.

6. Major-change trigger sheet

Any of these can silently void last year’s answers. When one happens, re-confirm coverage in writing and update the matrix above.

Deposit & damage protection

For each way guests can book you, write down which protection applies to guest-caused damage, then read the actual terms behind it: the limit, the claim window, and what proof you keep.

The dates you set to re-read the terms are offered to your maintenance and renewal calendar, with the claim window in the note.