Okay, from the viewpoint of an owner who literally has been there and done it all, just block off access to the danger zones! Giselle used to have a NASTY habit of urinating on beds. She would deliberately climb onto our beds to urinate when she felt the urge. She urinated on her *own* bed several times. It was odd because she didn't urinate on the carpeted or hardwood floor.
I personally speculate that it is not a psychological problem. It is the simple tendency for dogs to urinate in soft spots because, in the wild, the soft spots would absorb the urine most efficiently. However, because our house is primarily hardwood with some isolated carpeted areas, there are no soft spots for the dog to urinate on besides the bed. Originally, she urinated on her own bed, so we replaced it with a smaller, more compact bed with a lip so that she physically could not pee on it. Because we eliminated one soft spot, she began resorting to peeing on our beds. I can't take away her instinct so I did the next best thing: I simply blocked off access to our beds.
It's more of a potty training issue than anything. Honestly, go back to the basics. When you see her sniffing around, open the door and let her out.
Just close the door to your bedrooms and open the door to your backyard. It's as simple as that :)
