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 homeowners.
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:
In most markets**, guests pay Vacasa a small damage waiver (up to $20/night, depending on the size of the home) that covers accidental damage up to $2,000—excluding damage caused by smoking, pets, or criminal activity—as long as they report the damage before checking out. This encourages guest accountability and helps us respond more quickly to accidental damage.
Assurant delivers an additional layer of damage protection—including $1 million in damage protection for your home itself (such as flooring, walls, or windows); coverage for damage to your furnishings and valuables from $2,000 to $20,000; and damage not covered under the waiver (such as damage caused by smoking or pets, and 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, 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.
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, 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; Vacasa North Carolina LLC; Vacasa Pennsylvania LLC; Vacasa Real Estate LLC (licensed in Idaho and Oregon); Vacasa Real Estate LLC (licensed in Colorado, 720-727-9358); Vacasa Real Estate LLC (licensed in Washington, Robert Brush, Designated Broker); 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.
**Damage waivers are currently applicable for short-term Vacasa reservations located in Alaska, Colorado, Florida, Georgia, Idaho, Illinois, Maine, Maryland, Massachusetts, Oregon, 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.