Can Travel Insurance Cover Your Vacation Home Rental?

So, you’ve scoured the internet and booked the summer vacation home of your dreams. Before you head out on your trip, there’s just one thing left to consider: Vacation home insurance. While the property owner of your rental will likely be protected by homeowner’s insurance, that coverage won’t protect you. This is where travel insurance comes in. Let’s check out how travel insurance can protect you, your family and your trip investment.          



Vacation Homes Within the U.S. 

For U.S. residents renting a vacation home domestically, there are a number of benefits to purchasing trip insurance. Let’s take a look at some of the major benefits trip insurance has to offer. 

Deposit reimbursement

This is probably what you think of when you think of trip insurance. Trip insurance can protect your financial investment by reimbursing you for prepaid travel expenses if your vacation rental is canceled for a covered reason like a natural disaster.


With basic trip insurance, reimbursement is contingent on whether or not your trip is cancelled for a covered reason, and these reasons are beyond your control. But if you want to give your trip insurance additional coverage, you can add Cancel For Any Reason (CFAR) and/or Interruption For Any Reason (IFAR) insurance to your policy. This gives you the flexibility to cancel or interrupt your plans for literally any reason. Let’s say, for example, that a week before your departure, a family obligation comes up. With CFAR coverage, as long as you cancel at least 72 hours before your flight, you generally can get reimbursed.


Or, say you end up taking the trip and while you and your travel companions are having the time of your life, an emergency comes up back home. If you have Interruption for Any Reason insurance, you’ll be reimbursed for any unused days, meals or event tickets.   

Rental Car Insurance

If you’re taking a road trip to your vacation home, rental car collision insurance is a great add-on benefit to trip insurance. This kind of insurance will generally offer you more financial protections than rental car insurance you may purchase through the car rental agency.  

Flight Insurance

Trip insurance can include flight accident insurance. While air accidents are extremely rare, they can happen. It’s always best to be prepared. Flight accident insurance offers financial support in the event of accidental death and dismemberment. If the insured were to die as a result of a flight accident, their beneficiaries will receive a lump sum payment to help them avoid financial hardships. 

Concierge Services

Want to add a little luxury to your vacation? Certain trip insurance plans offer concierge services. Need dinner reservations? Tickets to a special event? Need to book a flight? Or maybe you want the low-down on the hottest night spots in town? When you have trip insurance that includes concierge services, all of these services and more are free. 


Medical Insurance for International Rentals

Your domestic health insurance isn’t likely to cover you once you’re outside of the country, so if your heart is set on an international vacation, travel insurance is a good move. Plus, depending on the country, it may even be required.


Whether you’ve rented an amazing summer flat in London or a luxury vacation home in Costa Rica, travel medical insurance can help keep you safe without racking up tens of thousands of dollars in medical debt. Some of the main benefits of travel medical insurance include emergency medical evacuation, COVID-19 coverage, and more.   


Wherever you travel to this summer and beyond, VisitorsCoverage has you covered. If you need help or further assistance please reach out to our award-winning Customer Success Team

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