Looking for Vacation Rental Insurance?
Protect your vacation rental from guest injuries, property damage, liability claims, and rental income loss. Get coverage for short-term rentals, vacation homes, and rental property investments.
What is Vacation Rental Insurance?
Vacation rental insurance protects short-term rental properties from guest injuries, property damage, liability claims, and income loss. Coverage includes property insurance, liability protection, and loss of income coverage. Platforms, lenders, and HOAs require proof of insurance before listings, financing, or rental approval.
Property Protection
Coverage for rental property, furnishings, and amenities from damage or theft.
Guest Liability
Protects against guest injuries and property damage claims at vacation rentals.
Rental Income Loss
Covers lost rental income when properties are uninhabitable from covered damage.
Certificates
Fast proof for platforms, lenders, and HOAs.
Who Needs Vacation Rental Insurance?
- Vacation Rental Owners : Businesses requiring specialized insurance coverage
- Short-Term Rental Investors : Businesses requiring specialized insurance coverage
- Airbnb/VRBO Hosts : Businesses requiring specialized insurance coverage
- Property Management Companies : Businesses requiring specialized insurance coverage
Why Harper?
Vacation Rental Expertise
We understand short-term rental risks—guest injuries, property damage, party liability, and platform requirements. Get coverage for single properties or multi-unit rental portfolios.
Fast Proof for Platforms
Vacation rental platforms may require insurance verification. We deliver certificates quickly for listing compliance.
Clear Simple Guidance
We explain vacation rental coverage, homeowner policy exclusions, and platform insurance clearly.
Tailored to Your Rentals
Match coverage to your properties—single vacation home, multi-unit rentals, luxury properties, or property management portfolios.
Frequently Asked Questions
What insurance do vacation rentals need?
Vacation rental properties need specialized short-term rental insurance because standard homeowners policies exclude business activities and may deny claims for paying guests. Coverage should include property protection for buildings and contents at replacement cost, liability coverage for guest injuries and property damage (minimum $1 million, preferably $2 million+), and loss of rental income when properties are damaged and uninhabitable. Additional coverages include theft by guests, accidental damage by renters, and bed bug infestation treatment.
Does homeowners' insurance cover vacation rentals?
No, standard homeowners insurance policies typically exclude coverage when properties are rented out, particularly for short-term rentals. Most policies contain business exclusions that void coverage when homes are used commercially. Even occasional rental activity can result in claim denials and policy cancellations. Some insurers offer endorsements for limited short-term rental days (like 14-30 days annually), but properties rented regularly need proper vacation rental or landlord insurance policies.
How much does vacation rental insurance cost?
Vacation rental insurance costs 2-3 times standard homeowners' rates due to increased risks. Single vacation rental properties pay $2,000–$6,000 annuall,y depending on location, rental activity, and property value. Luxury vacation rentals or properties in high-risk areas (coastal, wildfire zones) pay $8,000 to $20,000+ annually. Multi-property vacation rental portfolios pay $15,000 to $100,000+ annually. Costs depend on property values, rental frequency, location risks, amenities (pools add cost), claims history, and coverage limits.
Does insurance cover guest injuries?
Liability coverage protects vacation rental owners when guests are injured at rental properties from slips and falls, pool accidents, deck collapses, or other premises-related incidents. Coverage applies when properties are reasonably maintained and hazards are disclosed. However, injuries from known hazards not disclosed to guests, grossly inadequate maintenance, or missing required safety equipment (pool fences, smoke alarms) could complicate claims or result in coverage denial.
Does insurance cover party damage?
Standard vacation rental policies typically exclude or limit coverage for party-related damage, given significantly higher risk. Owners can purchase additional party damage coverage or endorsements, though insurers often require party restrictions in rental agreements, occupancy limits, noise monitoring, or local contact requirements. Platforms like Airbnb offer some party damage protection, but coverage has significant limitations. Properties marketed for events need special event venue insurance.
Can HOAs prohibit vacation rentals?
Yes, many HOAs and condo associations prohibit or restrict short-term rentals through covenants, conditions, and restrictions (CC&Rs). Even where allowed, HOAs often require owners to carry specific insurance, including minimum liability limits ($1-2 million), adding the HOA as additional insured, and commercial general liability rather than residential policies. Some HOAs require proof that vacation rental insurance specifically covers short-term rental activities. Violations can result in fines or legal action.