Is Airbnb or Vrbo Insurance Coverage Enough? What Owners Need to Know
- Nate Jones, CPCU, ARM, CLCS, AU
- 5 days ago
- 2 min read
Vacation rental platforms like Airbnb and Vrbo offer insurance and host protection programs. While these protections provide some coverage, many property owners assume they’re fully insured when they’re not.
Understanding the limits and gaps in platform coverage is essential to protect your property, income, and liability.
What Airbnb and Vrbo Insurance Covers
Airbnb provides property damage protection through its Host Guarantee, covering up to $1 million for damages caused by guests.
Does not cover liability claims
Excludes certain types of property (cash, collectibles, pets)
Limited for natural disasters or pre-existing damage
Vrbo offers optional insurance for hosts, including damage protection and liability coverage.
May require separate purchase
Coverage limits may not match property value
Limited protection for business-related losses
Why Platform Coverage Isn’t Enough
Limited Liability Protection – Guest injuries may exceed platform coverage limits.
Property Damage Exclusions – Theft, natural disasters, or pre-existing property issues may not be covered.
Lost Rental Income – Platforms typically don’t compensate you if your rental is uninhabitable.
Content Coverage Gaps – Furniture, electronics, and linens used by guests may be partially or fully excluded.
In short, relying solely on Airbnb or Vrbo insurance leaves gaps that can result in financial loss.
How Vacation Rental Insurance Fills the Gaps
Vacation rental insurance covers what standard homeowners policies and platform protections do not:
Property Damage – Covers guest-caused damage, natural disasters, or vandalism.
Contents Coverage – Protects furniture, appliances, and other guest-used items.
Liability Protection – Covers injuries to guests and legal fees.
Loss of Rental Income – Replaces income if the property is temporarily uninhabitable.
Optional Add-Ons – Flood, earthquake, and umbrella liability coverage for added protection.
Why Wexford Insurance Is the Smart Choice
Wexford Insurance specializes in vacation rental coverage that protects property owners from risks platform insurance cannot. We help you secure policies covering property damage, liability, theft, and lost income.
