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Author: Steven H. Craft, Jr.

Licensed Florida insurance agent (#L123324) and Principal of Lucleon Insurance LLC in Destin, Florida.

Florida Vacation Rental Pool Liability: Med Pay, Umbrella & Gaps

Who pays when a guest is hurt at your Florida vacation rental pool or hot tub? Med pay, liability, umbrella and platform gaps for Panama City Beach hosts.

Occupancy, Roof Age & Wind for Walton/Okaloosa STR Hosts

How occupancy, roof age, and Walton vs Okaloosa location shape wind underwriting for Destin & 30A vacation rentals—plus a practical 2026 host checklist.

Named-Storm Deductible Math for Florida Vacation Rentals

See how named-storm deductibles hit Destin and 30A vacation rental homes—% vs $, cash-flow after a claim, and what Florida STR hosts should reserve in 2026.

Do you own a Vacation Rental Home in Florida? We specialize in short term rental home insurance in Florida. Our Learn Hub contains all of our guides on Airbnb Insurance, VRBO Insurance, STR rules & regulations, and STR strategies in one place.

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Serving Florida homeowners statewide from our Destin office · Emerald Coast & 30A · Gulf & Atlantic coasts

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Owned & operated by Lucleon Insurance, a licensed Florida insurance agency (#L123324).