Vacasa’s Accommodation Protection Program for vacation rental insurance

Get peace of mind at an affordable rate with supplemental vacation rental damage protection available only through Vacasa.


Your peace of mind is important to us. That’s why we partner with Rental Guardian to deliver supplemental insurance protection tailor-made for short-term rental owners.

Vacasa’s Accommodation Protection Program offers you an additional layer of vacation rental damage protection—including $1 million in damage protection for your home itself (such as flooring, walls, or windows), and coverage for damage to your furnishings and valuables up to $25,000.

Next-level owner protection

How Vacasa offers supplemental vacation rental damage insurance

Because homeowners insurance is designed for owner-occupied properties, many policies won’t cover short-term rental activity. Think of the accommodation protection program as an extra level of protection against liability and property damage. It helps fill in potential gaps, giving you what you need when you need it: added protection for your home, guests, and valuables on the nights your vacation home is booked. Under Accommodation Protection, you’ll receive:

  • $1 million in liability benefits due to owner negligence. Examples of owner negligence include broken stairs, defective railings, warped or broken flooring, etc.
  • $1 million damage protection benefits for your home
  • $15,000 in comprehensive bed bug benefits (including lost rental income
  • $25,000 in damage protection for your personal property
  • Cost-effective protection. You only pay when your home is booked—starting at a nightly charge of $7.00
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In the past, we would often arrive at our unit and items would be missing or broken with no explanation, which always stressed us out. In April, before our arrival Vacasa notified me that a guest had broken one of the glass mirrors in the living room and it was being taken care of. This is the type of customer service we expect.
Mike M., Panama City Beach, FL

Supplemental insurance has you covered

What's protected by the Accommodation Protection Program?

  • Guest-caused property damage, including vandalism, water damage due to guest negligence, and more
  • Guest-caused damage to homeowner’s personal property, such as furniture, lamps, appliances, dishware, etc.
  • Guest injuries due to homeowner negligence
  • Damage to guest property due to homeowner negligence
  • Lost income and damage caused by bedbugs

What's not protected?

  • Normal wear and tear, such as faded paint or slightly worn carpet from walking
  • Damage due to inclement weather
  • Guest injury not resulting from host/homeowner negligence
  • Damage or injury that occurs outside of the Vacasa-contracted rental period

Tiered pricing for a tailored fit

You don’t pay a deductible, and you only pay for coverage on nights booked by guests: $7 per booked night for homes with 0–2 bedrooms, and $8.54 for homes with 3+ bedrooms.

See how Vacasa's Accommodation Protection Program stacks up

Get an extra layer of security for these items not typically covered under homeowner's insurance.

Expensive real-world problems

Accommodation Protection Program

Competing vacation rental insurance

Ruined furniture

$25,000 in eligible coverage for your personal property

$10,000 in coverage for your personal property

Broken windows

$1,000,000 in damage coverage for your home

$1,000,000 in structural home and bodily injury coverage


$15,000 in comprehensive bed bug coverage (including lost income

Typically not covered

Accidental guest injuries

$1,000,000 in liability coverage

Injury coverage part of the $1,000,000 home coverage

Accidents happen, but you’re protected

In most markets*, guests pay Vacasa a small damage waiver ($15-$35/night, depending on the size of the home) that covers accidental damage up to $3,000. To utilize the damage waiver, guests are subject to terms and conditions including exclusions for damage caused by smoking, pets, or criminal activity and damages that are unreported prior to check-out. This encourages guest accountability and helps us respond more quickly to accidental damage. Thankfully, Vacasa will cover up to $3,000 of damages associated with a paid damage waiver, whether or not the guest met the terms and conditions.

For the most comprehensive protection, we recommend enrolling in the Accommodations Protection Program, which delivers an additional layer of damage protection—including $1 million in damage protection for your home itself (such as the structure, electrical, or plumbing) and coverage for damage to your furnishings and valuables up to $25,000. Read all the specific details about the Accommodations Protection Program here (including its additional $1 million in liability coverage).

Vacation rental damage protection FAQ

Damage protection typically covers the cost of repairing or replacing your property if it's damaged by a guest at your home. By "property," we mean both your home itself (say, a cracked window) and the items in it (like a chair with a broken seat).

Not all damage protection works the same way, but with Vacasa you can receive coverage for guest-caused damage to your home or personal property, as well as guest injuries or guest property damage caused by homeowner negligence. It's important to know that damage protection doesn't replace homeowners insurance—the two work together to cover different scenarios that may arise when you own and rent out a vacation home.

Vacation rental damage insurance is a major safeguard against liability and property damage. If you don’t secure coverage, you may be liable for any damage, injury, or bedbugs at your home. Since traditional homeowner’s insurance is designed for owner-occupied properties, most policies won’t provide adequate (if any) protection for commercial vacation rental use, and you'll want to get supplemental coverage.

While we can't speak for every company, Vacasa's Accommodation Protection Program offers affordable, tiered pricing exclusively for Vacasa homeowners.

  • $7 per night for homes with 0–2 bedrooms
  • $8.54 per night for homes with 3+ bedrooms

Even better, you only pay for Accommodation Protection coverage on the nights your home is occupied by guests. (This is, of course, in addition to the cost of whatever homeowners insurance you secure for your property.)

Let's get started

Talk to us

You've got questions. We've got answers.

Contact our Homeowner Accounts team at 971-254-3001 or to see if we'd be a good fit for you. We're available 12 hours a day, 7 days per week 6 AM-6 PM PST (9 AM-9 PM EST)

If you'd like to move forward, we’ll put you in touch with our market expert in your neighborhood to explore the financial potential of your home, outline our management fee, and introduce your local team.


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Vacasa offers property management and other real estate services directly through Vacasa LLC and through Vacasa LLC's licensed subsidiaries. Click here for more information about Vacasa's licensed real estate brokerage/property manager in your state. Vacasa’s licensed real estate brokerages/property managers include: Vacasa Alabama LLC; Vacasa Arizona LLC; Vacasa of Arkansas LLC; Vacasa Colorado LLC (Micah Victory); Vacasa Delaware LLC, 302-541-8999; Vacasa Florida LLC; Vacasa Illinois LLC 481.014072, Micah Victory Managing Broker Lic# 471.021837; Vacasa Louisiana LLC, Dana MacCord, Principal Broker, ph 504.252.0155 (Licensed in LA); Vacasa Michigan LLC, 602-330-9934; Vacasa Missouri LLC, Vicki Lyn Brown, Designated Broker; Vacasa Nevada LLC; Vacasa New Hampshire LLC,45 NH-25, Meredith, NH 03253, Susan Scanlon, Broker of Record; Vacasa Minnesota, Broker: Micah Victory, license #40877637; Vacasa New Mexico LLC, 503-345-9399; Vacasa New York LLC, 888-433-0068, Susan Scanlon, Real Estate Broker; Vacasa North Carolina LLC; Vacasa Oregon LLC; Vacasa Pennsylvania LLC; Vacation Palm Springs Real Estate, Inc., California DRE #01523013, Mark Graham, California DRE #00700720; Vacasa Real Estate LLC (licensed in Texas, Debra Brock, Designated Broker); Vacasa Real Estate LLC (licensed in Washington, Robert Brush, Designated Broker); Vacasa Seasonals Inc., California DRE #02160171, Lisa Renee Stevens, California DRE #01485234; Vacasa South Carolina LLC; Vacasa South Dakota LLC; Vacasa Tennessee LLC; Vacasa Vacation Rentals of Hawaii LLC, 69-201 Waikoloa Beach Dr. Ste. #2F17, Waikoloa, HI 96738; Vacasa Vacation Rentals of Montana LLC, Terah M. Young, Licensed Property Manager; Vacasa Virginia LLC; Vacasa Wisconsin LLC; Vacasa Wyoming LLC. In Canada, this advertisement is provided by Vacasa Canada ULC, CPBC lic. number 75826, 172 Asher Rd. V1X 3H6 Kelowna, BC.

*Damage waivers are currently applicable for short-term Vacasa reservations located in Alabama, Alaska, Arizona, California, Canada, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Maine, Maryland, Massachusetts, Oregon, South Carolina, Tennessee, Texas, Utah, Vermont, and Washington. We still require all guests in every market to agree to rental terms that outline responsibility for damages, and we follow up directly in the rare instances that damage does occur outside of these states. We highly encourage enrollment in Accommodation Protection in these markets for supplemental damage protection.