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VRBO Host Insurance | How Does it Work?

VRBO Host Insurance | How Does it Work?

Insurance is important, especially when operating a vacation rental. In fact, in most cities, insurance is sometimes mandatory though this depends on the city laws and regulations. Regardless of the location, having insurance is significant in protecting yourself and your assets. Keep in mind, your vacation rental is your biggest asset and entrusting your property to a paying guest gives exposure to risks to your property.

Furthermore, unforeseen challenges or accidents can occur anytime to anyone. Therefore, it is important to always take precautionary measures such as screening for bad guests and ensuring signing short-term lease agreements before a guest stays.

With that said, the article will get into the nitty-gritty of:

  • What is VRBO Host Insurance?
  • What’s covered by VRBO Host Insurance?
  • How does it work?
  • How do I file a claim?
  • Do I need a vacation rental insurance policy for my property?
  • Recommendations

What is VRBO Host Insurance?

VRBO Host Insurance offers owners and property managers liability protection of $1,000,000 as primary coverage regardless of what policy you hold, for all stays booked via the platform at no additional cost.

To simplify, hosts who do not hold a liability policy, this policy responds first if someone makes a claim against you. However, if you hold a liability policy, then consider this as additional coverage to what you have already. Additionally, both policies will respond and contribute if a claim is made against you.

What’s covered by VRBO Host Insurance?

VRBO Host Insurance covers only if:

  • Traveler injury- this program possibly provides coverage for claims made against you if a traveler is accidentally injured during the stay of your property.

  • Property damage- the program possibly covers claims if a guest accidentally damages the property of a third party that may sue you for the damage, during the stay of your property.

  • Future options- the program looks at further options favorable in protecting owners against unforeseen encounters involved with managing a vacation rental. However, if a traveler damages your property, the $1M Liability Insurance will not cover the damages.

How does it work?

Eligible claims handled under this program are as follows:

  • $1 million coverage- the program is subject to a maximum limit of USD 1 million in coverage yearly, per property.

  • Primary coverage- if your property does not have liability insurance, then the program provides that protection. However, if you do have liability insurance, then the program gives you added $1 million in protection as well as working with your current provider.

  • Vacation rental liability protection- when your property is used as a vacation rental, typical homeowners’ policies possibly will not provide liability protection as it only provides the necessary coverage for accidents held liable while staying at your property. This program is subjected to certain conditions, limitations, and exclusions. Read more on the policy.

  • Global reach- regardless of the property’s location, the program automatically provides protection for every booking processed through the site’s checkout.

How do I File a Claim?

A few things you may want to prepare before filing a claim:

  • Full details on what happened
  • Any and all related documentation
  • Names of parties injured or claiming damages

Generali Global Assistance, the insurance provider, will happily assist in filing claims that is available 24/7 through the assistance support given below:

Generali Global Assistance Support: 1-800-313-6457

Do I Need Vacation Rental Insurance Policy for my Property?

Absolutely! Some vacation rental owners either have the homeowners or the landlord insurance policy, both of which have significant coverage gaps. Take note, Vacation rentals differ. A homeowners insurance policy is designed for an owner-occupied property whereas a landlord is designed to be tenant-occupied.

With that said, insurance policies typically throughout the year have three uses:

  • Rental guest stays
  • Owner’s vacations
  • Periods of being unoccupied

It is important to pick a vacation rental insurance policy covering the above-mentioned.


Proper Insurance is the preferred all-inclusive home insurance vendor in the U.S. Designed to address the unique risks of vacation rentals while providing inclusive insurance for building, content, income, and liability.

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