The most comprehensive coverage for your vacation rental: including building(s), landlord furnishings, liability and business income.
Replace your current policy with insurance coverage specifically designed for vacation rental property owners and its’ related exposures. Â Call or click for a quote today!
Vacation Rental Insurance
- Replacement cost coverage for buildings(s) and landlord furnishings (including optional theft coverage)
- Coverage for damage caused by a guest
- Coverage for loss of income
- Liability Limits of up to $1M with optional limits available
- Designed to entirely replace your current insurance
I already have homeowners insurance; why do I need this?
This program is designed for short-term vacation rentals. Â It replaces traditional homeowner & dwelling policies providing proper coverage for short-term rentals. Â Your vacation rental is essentially a business. Â What if you’re sued? Â What if a renter slips in the shower, falls down the stairs or is injured or killed in a fire? Â With standard homeowner policies, you would have no coverage!
Also, as a homeowner’s policy will not fully compensate you for loss of rents, our offering would help to make sure you don’t skip a beat or become unable to cover your fixed expenses.
Things you need to know
- Short-term rentals are consider a business in the insurance community.
When you collect money and allow a guest to stay for a short period of time, this is a business – and is no different than what a grocery store, yogurt shop or dry cleaners is involved in. Â AÂ homeowner’s policy does not cover (and specifically excludes) business activities!
- A Personal Umbrella does not cover/protect over a business!
A personal umbrella will not follow business activities.
- Our program is designed to fully replace your current coverage.
Our offering is not supplemental coverage, it’s replacement coverage to what’s in force.
