Many Property Owners Lack Adequate Vacation Rental Insurance

When it comes to home-sharing insurance, there are a few important things to keep in mind. For starters, homeowners insurance does not cover any form of property rentals. This comes as a complete surprise to homeowners – and often after it’s already too late.

For example, did you know that if your primary insurer discovers you used your home on a property rental service like Airbnb or Vrbo, they’ll boot you off the plan? Even worse – if you file a claim for damages incurred as a result of your guest, they’ll reject it!

An orange Victorian beach house

When Property Rentals Go Wrong

Renting out your property can be a great way to earn a little side income or even more. But when you choose to allow paying guests into your home, you’re also accepting a certain set of risks. As an example, you’re directly responsible for your guest’s safety and well-being.

If a guest is injured in your home —”even if it’s not directly your fault —”you could find yourself in the middle of a long and costly lawsuit. In addition to liability, your home and property are at risk. If a guest damages your belongings or wrecks your home, these are things you’d normally expect your homeowner’s insurance to cover. But unfortunately, renter situations are simply not covered under a standard home insurance policy.

Don’t Rely on Free Coverage

Some rental services offer free insurance coverage, like the Airbnb host protection plan. If you’re considering relying on these plans, you may want to review the fine print first. Many of these vacation rental coverage plans lack coverage and could leave you exposed. What is your best option? Find a home-sharing insurance company that offers comprehensive coverage for rentals.

Verify Your Short-Term Vacation Rental Insurance Today

Interested in a policy to protect you and your business from liability and damage claims? Proper Insurance is the nation’s leading short-term vacation rental insurance provider, with the most comprehensive policy on the market. We protect homes in all 50 states with unmatched coverage for your property, revenue, and business liability, customized to include guest-caused theft/damage, liquor liability, amenity liability (bikes, kayaks, hot tub, etc.), bed bugs, squatters, and more. 

Proper’s policy covers vacation homes, townhouses, condos, duplexes, cabins, cottages, apartments, and more. With expert vacation rental underwriters, we can tailor a policy specific to your short-term rental property.

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About the Author

Proper Insurance

Proper Insurance is the nation's leading short-term vacation rental insurance provider, with the most comprehensive policy on the market. We protect homes in all 50 states with unmatched coverage for your property, revenue, and business liability, customized to include guest-caused theft/damage, liquor liability, amenity liability (bikes, kayaks, hot tub, etc.), bed bugs, fleas, squatters, and more.

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