Hospitable’s New Trip Insurance Lets Hosts Earn Commission on Every Booking

Hospitable—the popular short-term rental management platform—just announced a host-friendly update to their software. It's an automated trip insurance upsell that pays hosts a commission when guests sign up.

They started rolling out the feature to beta users mid December 2025. And then announced the official launch with the commission earlier this month.

Here’s what it is, how it works, and which STR hosts will qualify. (Fingers crossed!)

What is Hopsitable's Trip Insurance—and How It Works for Hosts

Hospitable’s new Trip Insurance upsell is designed to let guests add travel protection to their reservation through the Guest Portal.

The insurance option shows up automatically on the portal (like at the end of check-in tasks) or as a standalone upsell tile.

Here’s the key: Hosts earn commission every time a guest buys a policy.

This is not a travel insurance program you manage yourself. Hospitable partners with RentalGuardian to provide the coverage. Guests buy the protection if they want peace of mind, and hosts earn a commission if they qualify.

There are two types of coverage available:

✔ Standard Trip Protection – about 7.5% of the booking total

✔ Cancel-For-Any-Reason (CFAR) – about 11.25% of the booking total, offering broader cancellation flexibility

Guests can file claims for things like trip cancellation or interruption through the Guest Portal without involving hosts.

How Much Hosts Can Earn in Commission

The exact commission isn’t a flat rate you set—it’s handled behind the scenes based on the guest’s location and policy processing fees.

But Hospitable shared an example:

👉 On a $1,000 booking from a U.S. guest, with standard insurance priced at roughly $75, a host’s commission would be about $16.

And as proof this actually works: one Hospitable host shared that they’d already earned $190 in commission from one booking. That's enough to cover their monthly Hospitable subscription a few times over.

Commission payouts are processed the day after check-in (so you don’t have to chase anything down), as long as you’ve verified your payout method in your settings.

Who Can Offer Hospitable Trip Insurance?

Right now, Trip Insurance is available for U.S. properties only (USD).

The system automatically evaluates eligibility behind the scenes and only shows the insurance option when a guest’s location and booking timing make coverage possible.

Some restrictions can hide the option entirely, such as:

• Guests from certain regions (e.g., Quebec or war-torn areas)
• Bookings where check-in is too soon (cover must be bought at least 24 hours before check-in)
• Too many guests on a reservation

What This Means for Hosts, Straight Up

This is one of the cleaner “set-it-and-forget” revenue streams we’ve seen recently in STR tech:

🔹 No extra work once enabled—guests decide in the portal whether or not they want coverage. Hosts don't need to lift a finger.

🔹 Commission is automatic—Hospitable handles payouts.

🔹 It doesn’t cost you anything to enable.

🔹 Guests get peace of mind—now they can book with confidence, and hosts don't have to worry about getting messages asking for last-minute cancellations or refunds.

It’s still early days, but this could become a meaningful add-on revenue tool for hosts who are already using Hospitable.

Need tips to optimize your short-term rental operation with tools like Hospitable? Read our automation guide here.