Assurant 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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Exclusively available for Vacasa homeowners, our Assurant supplemental insurance plan is the most cost-effective way to protect yourself and your home. Assurant has you covered when mishaps strike—from guests spilling wine on your white carpet to falling on a broken stair.

How Assurant provides supplemental damage protection

Because homeowners insurance is designed for owner-occupied properties, many policies won’t cover short-term rental activity. That’s where Assurant comes in.

Assurant provides an extra layer of vacation rental damage protection, including $1 million in damage protection for your home itself (such as flooring, walls, or windows) and up to $25,000 in coverage for damage to your furnishings and valuables. 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 Assurant, you’ll receive:

  • $1 million in liability coverage for claims of homeowner negligence, such as injuries caused by broken stairs, defective railings, or warped flooring
  • $1 million of coverage for guest-caused damage to your home
  • $25,000 of coverage for guest-caused damage to your personal property
  • $15,000 in bedbug protection, including income replacement

What's protected?

  • 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 Assurant stacks up

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

Expensive real-world problems

Assurant

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

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We had couches with foot rests, which got broken last year. Assurant paid to replace those with a new couch. It was nice too, because my local property manager said she could shop and set them up for me, or I could shop and get reimbursed. Vacasa wants to be successful—and they want me to be successful as a homeowner. So, let’s do this together.
Dottie G., Bear Lake, UT

Accidents happen, but you’re protected

Assurant complements the small damage waiver that Vacasa guests pay in most markets (up to $25/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.

And in the event of damage that isn’t accidental, Assurant kicks in. 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 report during their stay.

This means that if a guest spills cabernet on your carpet and doesn’t let us know, we won’t have to go through a lengthy review and resolution process to recoup cleaning or replacement costs from the guest. When you have Assurant, your 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.

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, Assurant 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 Assurant 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

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

Call 888-711-0781 to speak with a Homeowner Consultant, who can answer preliminary questions and see if we’d be a good fit for you.

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 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, P.O. Box 283, Conway NH 03818, 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, Joseph Czapkowicz, California DRE #01380722; 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 Assurant in these markets for supplemental damage protection.