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Relevant Questions & Answers

Frequently Asked Questions

Have questions about InsuraGuest Vacation Rental Insurance? Search our frequently asked questions below for answers or contact one of our insurance experts for more insight.

What makes InsuraGuest different?

InsuraGuest provides short-term vacation rental insurance to property owners and managers. There several reasons to choose InsuraGuest, but two primary factors stand out as major differentiators between InsuraGuest and the rest of the pack.

1. Simplicity
InsuraGuest is simply the simplest way to insure your vacation rental property. Getting coverage is as simple as signing up for a monthly subscription, and adding a vacation rental property address, adding a payment method, and checking out. No waiting for quotes. Just an instant signup and you're covered!

2. Affordability
InsuraGuest is not only the most affordable insurance out there at only $3 per day, but also a unique way to let you share insurance costs with your guests at checkin. Our insurance is pre-integrated with top property management systems. All you need to do is plug in the nightly guest fee you'd like to collect in your PMS and you'll automatically be collecting added fees with every reservation. This helps offset your costs and increase y0ur profits. No other insurance provider provides you with such ease of use and affordability as InsuraGuest.

Do I still need a homeowner's policy if I have InsuraGuest?

The short answer is yes. While InsuraGuest is meant to cover the vast majority instances where you need coverage, it is not meant to replace your homeowners policy. However, InsuraGuest is different than most other insurance in that we do not care who is at fault. Other providers only pay if you are found liable. Our coverage applies no matter whose fault it is.

What is included in your coverage?

InsuraGuest provides accident and health coverage for your guests, as well as property damage coverage for items in your vacation rental. Please see our Coverage Details page for a full description of coverage.

Why should I consider vacation rental insurance?

Vacation rental insurance is a good idea for several reasons:

  1. Property Damage Protection: InsuraGuest Vacation Rental Property Insurance provides coverage for accidental damage to the property caused by you or your guests. This can include anything from a broken window to spilled wine on the carpet.

  2. Guest Injury Protection Coverage: This type of insurance provides coverage for any legal liabilities that may arise during your stay, such as if someone is injured on the property.

  3. Theft Coverage: Vacation rental theft coverage is coverage that is designed to protect you in the event of theft of your personal property during your stay in a rental property.

  4. Peace of mind: Having vacation rental insurance gives owners peace of mind knowing that if guests damage their vacation rental property during a stay they will be covered. Guests love knowing they are covered if something happens to them while at your property.

Overall, vacation rental insurance is a good idea because it can help provide financial protection and peace of mind for owners and guests. 

What does "share costs" mean?

"Share costs" means you can add an extra fee inside your OTA (Airbnb, VRBO, etc.) or Property Management System software to pass some of the costs of the policy onto your guests as a marketing/management fee.

How do I share costs?

  1. Go into your OTA (Airbnb, VRBO, etc.) or Property Management System software and add the extra fee to your reservation. It can be added as an “Admin Fee” or another service fee, so you can pass the cost of the policy onto your guests.
  2. VRBO and can be added on as a nightly fee, but Airbnb must be added as a percentage of the average nightly cost.

What if I already have homeowners insurance policy? Do I still need InsuraGuest?

Liability insurance for your vacation rental property may provide some protection in the event a guest is injured during a stay, but it may not fully cover the risks associated with renting out a property.

Vacation rental insurance is designed specifically to address the unique risks associated with short-term rentals, such as property damage, liability for injuries to guests, and theft.

Additionally, some liability insurance policies for primary residences have exclusions for rental properties, meaning they may not provide coverage in the event of a claim.

Therefore, it's a good idea to consider purchasing vacation rental insurance even if you have liability insurance on your home. This can help ensure that you have comprehensive protection and peace of mind while renting out your property. It's important to carefully review the policy and understand what it covers before purchasing to make sure it meets your specific needs.

Customer Support FAQs

Frequently asked questions from our Customer Support Center.

How can I update a property address for a subscription?

To update the address for your vacation rental property, you need to edit the subscription in your customer portal. For step-by-step instructions, visit Update a Vacation Rental Property Address.

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For a free, friendly no-obligation consultation please contact us today. We will respond quickly.