Owner Protection Stack
Insurance decisions are made in conversations and lost in memory. This worksheet turns what you confirmed into something you can point to a year from now — a protection inventory, a channel-by-channel coverage matrix, an exposure register, an exclusions reader, a written-confirmation record, and a change-trigger sheet. Copy it, fill it in, keep it with your policy documents.
Educational information only—not insurance, legal, tax, or financial advice. This worksheet organizes questions; it does not provide coverage or confirm what any policy covers. ASTRO records what protects your property; it never decides it. No policy, product, or provider is required for membership, verification, the registry, or the Owners Exchange.
Verbal comfort is not coverage.
Use this alongside the provider-comparison guide and the five-layer protection stack. If a row below is blank, the provider guide tells you what to ask.
1. The 60-second protection inventory
Check every layer you can already point to in writing. Every unchecked box is a page in this worksheet.
2. Channel-by-channel coverage matrix
The single most useful page here. For every way a guest can book, mark what actually responds. Platform terms lapse off-platform and while vacant — the blanks are where you are exposed.
| Channel | Property policy | Liability | Damage product | Platform term | Evidence on file |
|---|---|---|---|---|---|
| Airbnb | — | — | — | — | verify |
| Vrbo | — | — | — | — | verify |
| Direct booking | — | — | — | — | verify |
| Repeat guest (off-platform) | — | — | — | — | verify |
| Owner-network stay | — | — | — | — | verify |
| Vacant / between stays | — | — | — | — | verify |
Fill each cell with the policy, product, or platform term that applies—or leave the “—” if nothing does. A row of dashes is an uninsured channel.
3. Amenity & exposure register
List every amenity and exposure a carrier would want disclosed, and confirm each is covered rather than excluded. Undisclosed amenities are a common way coverage quietly fails.
| Amenity / exposure | Disclosed to carrier? | Covered or excluded? | Conditions / signage / waiver |
|---|---|---|---|
| Pool / hot tub | |||
| Dock / waterfront | |||
| Golf cart / bikes / kayaks | |||
| Fire pit / grill | |||
| Pets allowed | |||
| Events / large groups | |||
| Other |
4. Exclusions reader — find these five words in your policy
Open your actual policy form and hunt for each word. Each one marks where coverage can end. Check it once you have read what your policy says about it.
5. Written-confirmation record
The rule is simple: anything a salesperson or agent says that is not on the policy form is not coverage. Record what you asked, who answered, when, and where the writing lives.
| Question asked | Who answered | Date | 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.
Where this shows up in ASTRO
An address tells you where a property is; it does not tell you what protects it, or whether that protection still holds. Policies renew, products change tiers, and platform terms are rewritten — this worksheet is how an owner keeps a durable, written picture of coverage that a marketplace listing never captures. ASTRO records what protects your property; it never decides it. No policy, product, or provider is required for membership, verification, the registry, or the Owners Exchange. The property record stays fixed; the coverage layered on top is yours to confirm and re-confirm.
Related owner reading
- The Owner Protection Stack — how these layers fit together as one system.
- The provider-comparison guide — what to ask before you buy; the source for the blanks above.
- The 5-layer protection stack — the layers this worksheet inventories.
This playbook provides general educational information, not legal or insurance advice. Confirm all coverage directly with your carrier or agent and read your own policy form; what is written on the policy controls.