Chapter 8

Do You Need Vrbo Insurance?

Last updated: March 2024

Whether you’re new to listing on Vrbo or a seasoned host, understanding your insurance options will help you protect your investment and provide a safe experience for your guests. Here’s what you need to know about Vrbo’s insurance policies as well as the benefits of having adequate insurance to cover your property and the people who book it.

Don’t see the form to download our Ultimate Guide to Listing on Vrbo? Click here.

Benefits of having Vrbo Insurance

Having Vrbo insurance offers a layer of protection that hosts can’t afford to ignore. It not only safeguards your property against potential damages but also provides coverage for unforeseen circumstances that could impact your rental income.

What about your homeowner’s insurance or personal protection policy? Most vacation rental owners have homeowners or landlord insurance policies. Both of these are great to have, but they both come with their own gaps due to the fact that the rental property doesn’t necessarily fall into either of these categories.

With Vrbo insurance or your own additional rental property insurance, you’re investing in peace of mind, knowing that you’re shielded from financial losses while providing a safe and secure environment for your guests. It’s a small step that brings significant benefits to your hosting business.

What is Vrbo’s insurance policy?

Vrbo’s $1M Liability Insurance program, included at no extra charge, covers liability claims such as traveler injuries or damage to another person’s property. However, it’s crucial to note that this coverage applies only to reservations made online via Vrbo’s checkout.

In the U.S., Vrbo endorses Proper Insurance as their preferred provider for comprehensive home insurance. This policy, designed specifically for vacation rentals, is an annual commercial homeowners insurance that completely supersedes your existing homeowners or landlord insurance policy. It’s tailored to offer extensive protection, catering precisely to the unique needs of the vacation rental industry.

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Should you get additional vacation rental property insurance?

While Vrbo’s insurance programs provide a substantial level of coverage, you may still want to consider the specific requirements and risks associated with your property.

Namely, you’ll want to check the mandatory insurance requirements in your state or locality. These regulations vary widely and may necessitate additional coverage beyond what Vrbo provides.

Additionally, consider the potential costs and benefits. Additional insurance often involves an extra financial investment, but it can also offer greater peace of mind and financial protection. This can be especially important if you’re renting a luxury villa or if your rental includes expensive furniture or amenities you’d like to protect.

Ultimately, the best course of action is to thoroughly evaluate your unique situation and risk tolerance. Consulting with an insurance professional can also provide insights tailored to your specific needs.


Don’t see the form to download our Ultimate Guide to Listing on Vrbo? Click here.