Travel Insurance for Vacation Rentals
Bundled travel insurance for vacation rentals, from trip cancellations to stolen belongings.
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As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
Space, privacy, the comforts of la casa – nothing is better than renting a vacation home, whether it’s a lakeside chalet, a New York City studio or a yurt in Patagonia. But booking from a private homeowner could add a “What if?” factor. That’s where travel insurance* comes in. Here are the need-to-know details of vacation rental coverage, so you can get on with your getaway.
Do I need travel insurance if I'm renting a vacation home?
Hopefully, the worst thing that happens to you when you’re staying at your rental is eating the free snacks too fast. But, if you find yourself in a pinch, travel insurance coverage can save your sanity and wallet.
What's covered by vacation rental insurance?
There are lots of reasons to consider travel insurance for your upcoming trip, including those that apply to vacation home rentals specifically:
- A canceled, delayed or interrupted trip: Do you have to cancel, delay or interrupt your stay at the last second due to something such a work emergency or sudden illness? With trip cancellation, trip interruption and trip delay coverages you may be able to recoup your pre-paid, non-refundable trip costs, including your accommodation.
- Stolen belongings: Did a thief break into your vacation rental while you were out at dinner and make off with your laptop or brand new camera? Personal effects may be covered, up to their cash value at the time they got swiped. (Just be sure to file a police report and keep a copy for your claim.)
- Medical emergency expenses: If those stairs are just too steep and you take a tumble inside your vacation home and you need to go to the hospital, your travel insurance plan from World Nomads may help save your wallet. You may also be reimbursed if you have to stay in your location longer than expected, to recover.
- A natural disaster: A flood or forest fire standing between you and the vacation rental of your dreams? If the property has been destroyed or you can’t stay there due to an unforeseen natural disaster, we’ve got a silver lining in that cloud: you may be reimbursed your pre-paid, non-refundable trip expenses (more dollars for your next adventure).
What's not covered by vacation rental travel insurance?
- Furniture or any other items that are part of the vacation rental (travel insurance protects only the belongings you own.)
- Alcohol and drug-related incidents and illegal activities (partying is banned at most vacation rentals, anyway.)
- Negligence. Did you get back to your vacation rental only to discover you left a burner on...and the kitchen is on fire? Or maybe you forgot to lock up the way the homeowner asked before you checked out and a burglar ransacked the place. These types of scenarios are excluded.
- Not living up to expectations. If the vacation rental doesn’t look exactly like it did in the pictures or has a weird smell, you may have to stay somewhere else... on your own dime.
Psst! Want to know more about what’s covered and not covered by travel insurance? Read your insurance plan documents carefully and contact us if you have any questions.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation.
- Standard Plan: $2,500
- Explorer Plan: $10,000
- Epic Plan: $15,000
- Annual Plan: $5,000
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Standard Plan: $125,500
- Explorer Plan: $150,000
- Epic Plan: $250,000
- Annual Plan: $100,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Evacuation
We'll provide assistance to get you to the hospital or home quickly.
- Standard Plan: $400,000
- Explorer Plan: $500,000
- Epic Plan: $700,000
- Annual Plan: $100,000
Emergency Evacuation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear.
- Standard Plan: $1,000
- Explorer Plan: $2,000
- Epic Plan: $3,000
- Annual Plan: $2,000
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
The amounts listed represent the maximum benefit amount.
Protect your health
- 24/7 Emergency Assistance Help Line
- Emergency Medical & Dental Expenses
- Emergency Evacuations
- Bedside Companion Travel
- Emergency Medications
Protect Your Trip
- Trip Cancellation
- Optional Cancel for Any Reason (Explorer or Epic)
- Trip Delay & Trip Interruption
- Missed Connection (Explorer or Epic)
- Rental Car Damage (Explorer, Epic or Annual)
Protect Your Stuff
- Baggage Delay
- Passport and Visa Loss
- Lost or Stolen Bags
- Personal Tech, Equipment & Gear
- Baggage Return After Evacuation
Non-Insurance Services
- Medical & Non-Medical 24/7 Emergency Assistance Line
- Translators Available
- Runway Health
- FootprintID
- Blue Ribbon Bags
24/7 emergency assistance
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Wherever you are, we’re here 24/7 to help you in any emergency.
Are you in need of emergency assistance right now?
Contact Generali Global Assistance:
Telephone:
+1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada
Before your trip, check the latest government advice for any travel alerts for your destination.