Vacation Rental
Insurance

Unlike long-term rentals or your primary residence, short-term vacation rentals come with a distinct set of potentials:

• Property Entrustment: Entrusting your property to numerous short-term guests inherently increases the risk of accidental damage, wear and tear beyond normal use, and even intentional damage.
• Increased Occupancy & Usage: Short-term rentals often experience higher turnover and more intensive use than traditional rentals, leading to accelerated wear and tear on furnishings, appliances, and the property itself.
• Vacation Rental Damage Insurance Claims: Guests may accidentally (or intentionally) cause damage that goes beyond a security deposit. Having the right insurance in place is crucial for covering these unexpected repair or replacement costs.
• Pet & Animal Liability: Allowing pets can attract more renters but also introduces the risk of pet-related damage to the property or even liability issues if a guest's pet bites another person or animal on your property.
• Loss of Income: Damage to your property from covered perils (like fire or storms) can render it uninhabitable, leading to a significant loss of rental income. Having insurance that covers this loss is vital for your financial stability.
• Theft: The risk of theft of your personal property within the vacation rental increases with a higher turnover of guests. This can include furniture, electronics, linens, and even appliances.
• Weather-Related Damage: Depending on your property's location, it may be susceptible to specific weather events, such as hurricanes, snow, ice, or wind damage.