Summary
Key Takeaways
1. Vrbo host insurance includes $1M in liability protection
2. It doesn’t cover property damage or income loss
3. Filing a claim requires documentation and timely action
4. Airbnb AirCover is broader, but even that doesn’t replace full insurance
5. Invest in vacation rental insurance for complete protection
Updated : May 27, 2025
Ever wondered what would happen if a guest gets injured on your property or accidentally damages a neighbor’s unit? That’s where Vrbo host insurance comes in. If you’re listing on Vrbo, you may be asking: “Does Vrbo have insurance for hosts?”. Short answer? Yes. But there’s more to it.
In this article, we’ll break down what Vrbo host insurance covers, what it doesn’t, how to file a claim, and whether you need a separate vacation rental insurance policy to stay fully protected.
What Is Vrbo Host Insurance?
Vrbo offers liability protection for hosts called the $1M Liability Insurance. This is automatically included when you accept a booking through Vrbo. It covers up to $1 million in case a guest or third party is injured or suffers property damage related to your rental.
However, it’s important to note: Vrbo host insurance does NOT cover damage to your own property.
So while it can help with lawsuits and third-party damages, it won’t pay for broken TVs, stained couches, or stolen artwork.
Read more: How Does Vrbo Work?
What’s Covered by Vrbo Host Insurance?
Here’s a quick snapshot of what Vrbo host insurance includes:
- Bodily injury to guests or others on the premises
- Damage to third-party property (e.g., neighbor’s property from a water leak)
- Legal fees associated with covered claims
Read more: Vrbo Listing Requirements: Everything Hosts Need To Know
This is especially helpful for condo rentals or multi-unit buildings where a plumbing issue in your rental could lead to damage in another unit.
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Get Started NowHow Does Vrbo Insurance for Hosts Work?
If something happens during a guest’s stay, Vrbo investigates and handles approved claims up to $1M.
Here’s how it generally works:
- A guest is injured, or third-party property is damaged
- You report the issue to Vrbo
- Vrbo assesses the claim and decides whether it’s covered
- If approved, Vrbo pays for legal fees and damages (up to $1 million)
Pro Tip: Vrbo’s policy is secondary. So, if you have homeowners or commercial insurance, Vrbo may only kick in after those policies are used.
Keep in mind that damages to your own property are not covered. If a guest spills wine on your Persian rug, this insurance won’t help.
How Do I File a Claim?
Filing a claim is fairly straightforward. Here’s what to do:
- Report the incident within 30 days of guest departure
- Document everything – photos, videos, receipts, statements
- Use the Vrbo Resolution Center to start your claim
- Stay in touch with Vrbo support for updates
Pro Tip: Keep all communication with guests on-platform. This helps Vrbo investigate faster and makes your case stronger
Do I Need a Vacation Rental Insurance Policy for My Property?
Yes, you still need dedicated vacation rental insurance.
Vrbo only covers liability. You’re still at risk for:
- Property damage (by guests, fire, water, etc.)
- Theft or vandalism
- Business income loss due to damage
Let’s break it down:
So if you have high-value interiors or depend on your rental income, investing in a comprehensive policy from providers like Proper Insurance, Slice, or CBIZ is a smart move.
Read more: What is Vrbo Cancellation Policy: A Strategic Guide for Short-Term Rental Hosts?
Conclusion
Vrbo host insurance is a helpful safety net — but it’s not bulletproof.
- It covers third-party injuries and legal claims
- It doesn’t protect your personal property
- It doesn’t compensate for lost income
Consider adding a private vacation rental policy to your toolkit for peace of mind.
While you’re protecting your space, remember to protect your revenue, too.
Frequently Asked Questions
Does Vrbo have insurance for hosts?
Yes. Vrbo provides $1 million in liability coverage per booking. It’s automatic, but limited to guest injuries and third-party damages.
Does Vrbo host insurance cover property damage?
No, it does not cover damage to your own property. It only applies to liability claims involving guests or third parties.
How do I know if I need extra vacation rental insurance?
If you want coverage for fire, theft, guest damages, or business income loss, you should consider a third-party vacation rental policy.
What’s the difference between Vrbo insurance and Airbnb AirCover?
Airbnb AirCover includes both liability and damage protection (up to $3M), while Vrbo insurance only covers liability.
