Do I need STR insurance if I only rent my Georgia home occasionally?

Most STR policies require a minimum number of nights or bookings before they apply to your property. Year-round STR operations are covered differently than occasional hosting. For properties rented fewer than 30 days per year, some carriers offer an endorsement on the homeowners policy rather than a separate STR policy. For full-time or near-full-time STR operators, a dedicated STR policy from Steadily or a similar STR specialist is the correct placement.