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.

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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 coverage due to owner negligence. Examples of owner negligence include broken stairs, defective railings, warped or broken flooring, etc.
  • $1 million damage protection coverage for your home
  • $15,000 in comprehensive bed bug coverage (including lost 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 homeowner negligence
  • Damage or injury that occurs outside of the 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


Bedbugs


$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

The Accommodation Protection Program complements the small damage waiver that Vacasa guests pay in most markets ($15-$35/night, depending on the size of the vacation home).** The waiver covers accidental damage up to $3,000—excluding damage caused by smoking, pets, or criminal activity—as long as guests report the damage before checking out. This encourages guest accountability and helps us respond more quickly to accidental damage.

The Accommodation Protection Program allows Vacasa to address damage quickly and keep your home in top condition. It covers incidents the damage waiver doesn’t, such as damage caused by smoking or pets, intentional damage, liability, or damage that a guest doesn’t notice or report during their stay. Accommodation Protection eliminates the back-and-forth with guests over blame and responsibility. You covered no matter what accidents may occur in your home.

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 974-254-3001 or homeowner.accounts@vacasa.com 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 Louisiana LLC, Dana MacCord, Principal Broker, ph 504.252.0155 (Licensed in LA); Vacasa Michigan LLC, 947-800-5979; Vacasa Missouri LLC, Susan Scanlon, Designated Broker; Vacasa Nevada LLC; Vacasa New Hampshire LLC,45 NH-25, Meredith, NH 03253, Dave Grant, Broker of Record; Vacasa New Mexico LLC, 503-345-9399; Vacasa New York LLC, 888-433-0068, Susan E. Scanlon, Real Estate Broker; Vacasa North Carolina LLC; Vacasa Pennsylvania LLC; Vacasa Real Estate Corporation, California DRE #02105811, Joseph Czapkowicz, California DRE #01380722; Vacation Palm Springs Real Estate, Inc., California DRE #01523013, Mark Graham, California DRE #00700720; Vacasa Real Estate LLC (licensed in Colorado, Daned Kirkham); Vacasa Real Estate LLC (licensed in Idaho, Oregon, and Utah); Vacasa Real Estate LLC (licensed in Maine, Michael McNaboe, Designated Broker); 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, 3350 Lower Honoapiilani Road, Suite 600, Lahaina, HI 96761; 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.