Vacation Rental Insurance


If you plan to rent out your property on a short-term basis you need vacation rental insurance. Unfortunately, renters do not always take care of other people’s possessions like they would their own. Vacation rentals suffer damage frequently such as broken appliances and furnishings, as well as vandalism.

Property Insurance HQ has insurance options to protect you and your property from potential risks. Submit your free online quote with us today and we can give you multiple competitive rates from some of the nation’s top carriers of vacation rental insurance.

Regular homeowners' insurance typically doesn't cover these types of damages to your property since vacation rentals are considered a business. Even if you don't make a lot of income from your rental you still need insurance and it’s important to understand what your policy does and does not cover.

The price of vacation rental insurance depends on a wide variety of factors such as: the location of the property, your deductible, the replacement cost value of the property, the number of vacation rental properties you have, amenities, and the amount of coverage you’ve selected.

Talk to one of our professionals today to figure out an exact price to cover your rental property.

Every situation is unique, and this depends on numerous factors such as the requirements from your lender, your exit strategy as the result of a loss, and how much risk you’re comfortable with.

Talk with one of our agents today so they can help you figure out how much coverage you need for your situation.

  • Choice: We work with some of the leading carriers in the nation.
  • Experience: We have been working with vacation and short-term rentals long before Airbnb was a thing!
  • Easy Communication: We connect you to a licensed agent on our team, so you have one point of contact. Call, chat online, email, text message – however you like to communicate we can help.
  • Billing Options: We offer multiple billing options to help manage your business.

  • Injury
  • Vandalism
  • Fire
  • Weather Damage: Wind, hail, and water
  • Loss of Income: If your property suffers damage and you are unable to rent while repairs are being done then vacation rental insurance will cover your loss of income.
  • Theft
  • Personal Belongings
  • Bug Infestations: Not all policies offer this, but it's important to know what you're paying for.