COVID-19 UPDATE: Discover how to optimise your marketing to include safety measures and put your guests at ease. Read the article here.

Short-term vacation rental insurance is always a worthwhile investment. No one likes being pessimistic, but bad things can and do happen. Damages, thefts and cancellations are all common occurrences that aren’t always covered under a standard homeowner’s insurance. 

The vacation rental industry is growing rapidly, and innovative startups are disrupting the traditional insurance market. As a property owner or manager, it is well worth having a look to see what is on the market before protecting yourself and investing in vacation rental insurance. 

Below is a list of vacation rental insurance providers we would recommend checking out:

Our top selection of Vacation Rental Insurance Providers to Secure Your Properties

1. SUPERHOG

vacation-rental-insurance

Luckily, there are some great solutions out there to protect hosts, guests and platforms in the short-term rental sector. One of these leading innovators is SUPERHOG who provide complete protection to both hosts and guests on a global basis. The SUPERHOG platform gives members the ability to verify potential hosts, properties, and guests, and every booking between SUPERHOGs benefits from a £1m guarantee at zero cost to the members.

Leo Walton, Growth Director and Co-Founder of SUPERHOG says,

“Keeping properties and guests safe is a major concern, it’s often sighted as the biggest reason guests don’t book vacation rental homes and why hosts don’t want to list their own, so a strategy to combat risk should be front and centre. It will benefit booking conversions, offer protection to everyone and give comfort to your hosts.


Our mission is to remove the bad apples and rule-breakers from our industry, our Trust Membership Platform, combining I.D. verification & property certification with insurance to ensure hosts and homes are checked and safe, and ultimately protected if something goes wrong.


By combining verification with damage protection, we are able to guarantee bookings are entirely safe, thus removing a substantial barrier to access, and helping to ensure hosts and property managers keep more of their revenue!”

2. Proper Insurance®

vacation-rental-insurance

Proper Insurance offers a custom-penned vacation rental insurance policy. It entirely replaces your homeowner’s policy providing the appropriate coverage for a vacation rental property. This is an excellent policy to choose, especially if you use your own home as a vacation rental. The policy also offers comprehensive coverage for vacation rental owners’ building(s), contents, commercial business liability and business income. This policy is a fantastic safety net, especially for properties that are located in areas that depend almost entirely on one season’s income.

Darren Pettyjohn , Co-Founder, Proper Insurance® says

“The modern vacation rental property typically has four occupancy types; personal occupancy by the owner or friends, short-term occupancy, mid-term occupancy, and even long-term occupancy. Because of this, property owners need a one-size-fits-all policy that can comprehensively insure the property during any of the four occupancies. With industry first trademarked endorsement’s, the Proper policy delivers peace of mind to owners. We give owners the coverage and flexibility needed to adjust and accept short-term, mid-term, or long-term bookings. Full coverage is always in place.”

3. InsuraGuest

vacation-rental-insurance

InsuraGuest helps vacation rental managers and owners in the short-term travel industry ensure a standard of protection for guests and, in turn, their properties. The InsuraGuest software platform was designed to “fill the gap” where other conventional travel insurance policies may fail to cover, such as incidents of damage or injuries that aren’t regarded as someone’s fault. Their policies include accidental in-room damage, theft of personal property, accidental medical expense, accidental death and dismemberment for each of the facility’s guests, governed by their single software system.

4. Red Sky Travel Insurance

vacation-rental-insurance

Red Sky Travel Insurance is an experienced vacation rental travel insurance company located in America. They provide coverage exclusively to the vacation rental industry in coastal, lake, ski and mountain destinations, working closely with vacation rental management companies.  Red Sky’s ownership and management team have been in the vacation rental industry for decades, so they know from experience the challenges property managers face, and offer their expertise to help meet the needs of both the guest and the business goals of vacation rental managers through their comprehensive travel insurance products. 

5. Proctea

vacation-rental-insurance

Proctea is a vacation rentals insurance provider located in Spain. They offer multi-risk insurance covering everything from fires to third-party claims. Their vacation rental insurance is tailored to each owner and their needs. It is far more flexible than you average home insurance. Since vacation rentals in Spain have significantly proliferated, owners/property managers must understand how to protect their properties, especially when Civil Liability insurance only takes care of what may happen to guests and not what happens to your home. Proctea helps to avoid those surprises.

6. intasure

intasure is a vacation rental insurance specialist. They provide insurance for properties across the world and have lots of experience in dealing with multiple countries’ insurance requirements. Intasure realises that vacation rentals come in all shapes and sizes and that there is not a one-size-fits-all policy. They have a team of experts who can help you create the perfect insurance for your vacation rental properties.

7. Travel Guard

Travel Guard is a worldwide leader in travel insurance and global assistance, working with an array of property management companies across the vacation rental industry. They provide numerous assistance services and coverage options that can be customised to your needs. Travel Guard understands that as a property manager, you want to provide for your guests with a sleek vacation. Still, common travel problems such as delays, trip cancellation are all too familiar. They pride themselves on their ability to remain agile and quickly respond to vacation rental managers’ changing needs, no matter the property size or area of specialisation.

8. VRMA Member insurance

vacation-rental-insurance

This policy is exclusively for VRMA members and offers a plan specifically tailored to their needs. If anyone knows about vacation rentals, it’s the VRMA. They understand that the requirements of this industry are unique and therefore, can offer the type of insurance that vacation rental owners are looking for.

9. CBIZ

vacation-rental-insurance

CBIZ is a highly valued insurance provider that covers both owners AND property managers. This partnership with property managers offers a complete package to vacation rental owners. The property manager’s commission income and the owner’s income are insured. In addition, this policy can entirely replace your current homeowner’s insurance.

Safelystay

Safelystay offers the full package. In addition to homeowners insurance for rental periods, safelystay also guest screening service that are specifically designed to improve modern property management. They have a database of over 1 million vacation nights with reviews and information on potential guests and hosts. If that wasn’t enough to offer, Safelystay also provides a payment protection service that holds payment until after the stay, to ensure that the host and guest are satisfied.

Editor’s note: This post was originally published in December 2015 and has been updated for accuracy, depth and comprehensiveness.

Are you ready to build a tech-based distribution strategy? Discover how our enterprise-level Channel Manager can get you more bookings.