Property Protection Programs

Property Protection Programs foster peace of mind to owners, property managers and travel marketplace platforms by addressing needs not typically met in standard commercial liability and property programs.


Accidental Rental Damage Protection is needed to provide limited protection against damage to the contents of a vacation home and other furnished accommodations during a covered stay.

Real Property Protection is needed to protect property managers and owners in the event of more serious damage that occurs during a covered stay.

Because vacation homeowner-hosts may be considered liable in case of any accidents or injuries while vacation homes are rented, additional liability protection may be required.


Contents Only Rental Damage Protection
  • Damage to property contents due to unintentional accidental acts (“damage protection”)
  • Limits from $500 to $3,000 per protected stay
Liability Bundle Protection
  • In addition to contents, the liability bundle adds
  • A property owner's liability for accidents and injury to a renter and third parties during a vacation rental and
  • Coverage for bedbug infestation.
Homeowner Protection Programs
  • HPP packages contents limits from $10,000 to $25,000 with
  • Real property protection from $300,000 up to $1,000,000,
  • Host liability protection from $300,000 up to $1,000,000 and
  • Bed bug protection from $5,000 up to $15,000
  • Daily and Per Stay pricing


Property Protection Programs provide varying coverage limits, allowing coverage to be customized, in various combinations that include one or more of the following:

  • "To-the-studs" Contents Damage Limits: from $500 up to $25,000 per stay.
  • Liability Limits: from $100,000 up to $1,000,000.
  • Bed Bug Limits: $10,000 and $15,000
  • Daily-rate, Flat Rate, Monthly Revolving and Annual Pay Billing cycles available


  • Covers industry-standard unintentional accidental rental contents damage.
  • Fills the gaps typical with traditional homeowner’s insurance policies by covering liability claims that arise from vacation rental activities.
  • Provides additional protection against damage to the contents of a vacation rental home, and protection to the actual dwelling/home itself.
  • Mitigates certain risks incurred by property managers and helps protect property manager relationships with owners and the guests they serve.
  • Automates program administration and document delivery processes.
  • Provides web-based claim filing processes, minimizing time and paperwork.

Property Protection Programs are competitively priced and can be included in the booking fee. The Programs are distributed through travel booking sites and property management companies (not to individual homeowners at this time).

*Not available in all states.  Underwriting required for acceptance. Speak with an authorized program representative for details.

Property Protection Programs are underwritten by Nationwide Mutual of Columbus, Ohio; Lyndon Southern Insurance Company of Jacksonville, Florida; Markel Insurance of Glen Allen, Virginia; or certain underwriters at Lloyds of London.


Please email your request to [email protected]