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Vacation Rental Program
Home (or room) sharing has become a lucrative option to earn rental income. Online services have made it easier for homeowners to become landlords. We now have a product to specifically address the increased risk associated with these operations


  • Broadened definition of "residence premises" for short-term lodging of guests
  • "Vacation Rental" service is not considered to be a "business"
  • $15,000 personal property of guests
  • Theft of personal property is included
  • Additional $5,000 Fair Rental Value per guest
  • $5,000 refrigerated products
  • Broadened definition of Personal Injury
  • Feature Detail
    Valuation Replacement Cost, ACV, Functional, & Extended RC options available
    Coverage for damage to your building and contents caused by a guest yes
    Actual loss of income coverage with no time limit yes
    Liability coverage in the event of a guest’s injury or death yes
    Liability coverage extended to your amenities yes
    Water Backup $5K, $10K, $25K, $50K, $100K, $250K options available
    Other Structures No minimum or maximum – completely tailored to meet the needs of the insured
    Personal Property of guests $15,000
    Form Homeowner
    Animals Included unless a specified vicious breed
    Fair Rental Value adds an Additional $5,000 Fair Rental Value per guest
    Hardscapes, Retaining Walls, Pilings, Piers, Wharves, & Docks Can all be included under Cov B
    Valuable Papers $1,500
    Watercraft $1,500 property included + Liability can be added by endorsement
    Crops, Plants, Trees Can be added by endorsement
    Debris Removal $1,000
    Money Orders and Counterfeit Paper Currency $1,500
    Earthquake Can be added by endorsement
    Flood Can be added by endorsement
    Liquor Liability There is no separate Liquor Exclusion
    Refrigerated Products $5,000
    Personal Injury yes
    Mold $5K, $10K, $25K, $50K, $100K, $250K options available
    Loss Assessment $1,000 included within the form with options to increase if needed
    ID Fraud $15,000
    Ordinance or Law Options of 10% or 25% can be added