What is Vacation Rental Insurance?

Vacation rental insurance fills the gaps left by a standard homeowners or landlord policy. It’s built around the realities of hosting paying guests: higher turnover, more liability exposure, lost-income risk if your property becomes unrentable, and damage caused by short-term occupants rather than long-term tenants.

Most traditional home insurance policies were never designed with Airbnb, Vrbo, or Booking.com hosting in mind — and many will deny a claim outright if they discover the property was being used as a short-term rental without the right coverage in place.

VIFO’s program was built specifically around this gap, by people who’ve actually run short-term rentals themselves.