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Millions of people take vacations each year without experiencing problems, but sometimes things don’t turn out as expected for guests or hosts.

In the eyes of insurance, vacation rentals are considered businesses – therefore, you wouldn’t be adequately covered by either your homeowners’ insurance or personal umbrella policies. When you need help, Airbnb offers a $1 Million guarantee in their Host Protection Coverage policy, but there are limitations. And what if the problem stems from a reservation via HomeAway or another booking site? Pillow recommends purchasing vacation rental insurance. It’s the best way to ensure you and your property are protected at all times.

Pillow Recommended Insurance Products


Peers Homesharing Liability Insurance is one type of product many vacation rental owners choose. This policy provides $1 million of personal liability insurance for your home share or vacation rental in the United States no matter which platforms you list on. For $36/month you’re covered for guest bodily injury and property damage, and reimbursement for up to 90 days of lost rental income due to damage caused to your property by the guest. In addition, you’ll have the option to choose which months you have coverage, this way you’re not paying for months you don’t rent out your property. Peers is underwritten by United Specialty Insurance Company and is available in all U.S. states, except New York.

CBIZ Specialty Insurance

CBIZ offers vacation rental insurance that’s designed to be more than supplemental coverage and therefore, replaces your homeowner’s policy. With CBIZ, your property is covered whether it’s a single-family home, condo, yurt, treehouse, etc. In addition, CBIZ allows you to choose the amount of coverage you’d like, much like car insurance policies do. CBIZ insured homeowners can benefit from coverage for theft and property damage, and can choose from $1 million and $2 million commercial liability coverage options for your guests and amenities. Homeowners are also paid out for loss of rental income due to a claim for a pre-selected amount of time. CBIZ Specialty Insurance offers coverage in all 50 U.S. states and is underwritten by Tudor Insurance.

Proper Insurance

Like CBIZ, Proper Insurance is designed to replace your homeowner’s policy. Proper Insurance’s Vacation Rental Program is written as a commercial policy but also includes a $1 million personal liability coverage policy if the rental is your primary residence. It includes coverage for your building and its contents, coverage for theft, $1 million and $2 million general liability options, and compensation for rental income loss with no restrictions on time. They also provide enhancement coverage for pets and liquor liability. Proper Insurance is available for properties within and outside the U.S. and is underwritten by Lloyd’s of London.

Added Protections

Along with purchasing the right insurance product for your unique short term rental situation, Airbnb offers their own guarantee. It’s important to remember the guarantee is not a rental insurance policy, which is why Pillow recommends homeowners purchase a vacation rental insurance policy for comprehensive protection.

The Airbnb $1 MillionHost Guarantee protects property owners for damages at properties all around the world. However, homeowners must meet certain conditions in the event of a claim, and limitations and additional exclusions do apply before they can submit a payment request form online. The host guarantee does not protect against the following:

  • Cash and securities
  • Pets
  • Personal liability
  • Shared or common areas on any property
  • Reasonable wear and tear

Adding the right insurance and taking advantage of the additional protection programs offered will keep you assured knowing your home is protected.

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