Supplemental insurance coverage, tailor-made for you

Assurant gives you peace of mind at an affordable rate.

Woman working on the couch in her multifamily unit

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 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:

  • $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 owner satisfaction

How Assurant provides supplemental damage protection

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.

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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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.