Supplemental insurance coverage, tailor-made for you

Assurant gives you peace of mind at an affordable rate.

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An extra layer of security

Your peace of mind is important to us. That’s why we partner with Assurant to deliver supplemental insurance protection tailor-made for vacation rental homes and guests.

Because homeowner’s insurance is designed for owner-occupied properties, many policies won’t cover short-term rental activity. Think of Assurant 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 home is booked. Under Assurant, 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
  • $20,000 in damage protection for your personal property
  • Cost-effective protection. You only pay when your home is booked—currently a nightly charge of $8.54*
  • Zero deductible, with a $50 minimum per claim
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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
Family laughing and enjoying a meal

Next-level satisfaction for guests

While our reservationists thoroughly screen all potential guests, the occasional accident does happen. Luckily, with Assurant's vacation rental insurance, both you and your visitors are protected from damages. If a guest spills cabernet on your carpet during a game of charades, neither you nor your guest will be charged for anything—you’re both 100% covered. Our local manager will arrange for carpet cleaning (or replacement, if necessary), and we'll take care of immediate payment, filing the claim, and securing reimbursement. We'll handle it all directly with Assurant, creating a worry-free experience for everyone involved.

Assurant has you covered

What's protected?
  • Accidental damage to your home
  • Guest injuries due to owner negligence
  • Damage to guest property due to owner negligence
  • Common damages faced by vacation homeowners, including accidental property damage, vandalism, water damage due to guest negligence, and more
  • Damage to homeowner’s personal property, such as furniture, lamps, appliances, dishware, etc.
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 owner negligence
  • Damage or injury that occurs outside of the rental period

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

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 Florida LLC; Vacasa Louisiana L.L.C. (licensed in Louisiana); Vacasa Michigan LLC 947-800-5979; Vacasa Nevada LLC; Vacasa New Hampshire LLC, 603-782-9591, Michael Scanlan, Principal Broker, 314 Lafayette Road, Suite 1A, Hampton, NH 03842; Vacasa New Mexico LLC, 503-345-9399; Vacasa New York LLC, 888-433-0068; Vacasa North Carolina LLC; Vacasa Pennsylvania LLC; Vacasa Real Estate LLC (licensed in Colorado 720-727-9358, Idaho, and Oregon); Vacasa Resort Rentals of Hilton Head Island LLC; Vacasa South Carolina 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, Rickie Miller, Licensed Property Manager; Vacasa Virginia LLC; Vacasa Wisconsin LLC.

*Short-term rental insurance is required for all Vacasa homeowners. We automatically provide comprehensive, affordable coverage through our partner Assurant. If you have alternate coverage and would like to opt out, you’ll need to submit an opt-out form and proof of insurance with Vacasa covered for liability claims. Otherwise, you’ll be automatically billed for Assurant coverage starting at check-in for your first reservation with Vacasa.