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Keeping you ready for the unexpected

$1M Liability Insurance programme provides owners and property managers with liability protection for all stays processed online through the Vrbo checkout at no additional cost to you.This means that if you have a liability policy for your holiday rental, then consider this to be coverage additional to what you have. If you don’t have your own liability policy for your holiday rental, a 25% deductible will apply.

How you're protected

Traveller injury claims made against you
If a traveller is accidentally injured while staying in your rental property, this programme may provide coverage for claims made against you.
Property damage claims made against you
If a leaky pipe in the holiday rental causes damage to a traveler’s personal property, such as the traveler’s leather luggage, this programme may provide coverage for these types of claims.
Looking ahead
Vrbo will continue to look at options to further protect owners against the unexpected challenges involved with managing a holiday rental.

How it works

Coverage for eligible claims
This programme works with your current liability policy and gives you $1,000,000 in added protection for all reservations processed online through Vrbo checkout.
Global reach
This programme provides protection for every reservation processed through Vrbo checkout, no matter where in the world your Vrbo rental is located, subject to terms Policy Summary. Reservations processed through Vrbo checkout are automatically eligible, there’s nothing more you need to do!

Frequently asked questions

What are some examples of what this programme might cover?
Example 1: A traveller is staying in your property and trips, falls down the stairs and breaks their leg. That traveller sues you for their medical bills and other costs.
Example 2: A traveller is staying in your holiday rental and leaves a bathtub running while they cook dinner. The bathtub overflows and starts to flood the unit below your holiday rental unit. The owner of the unit below you sues you for the cost of the damage to their property.
For more information on what is covered by this programme, visit Policy Summary.
Why is Vrbo doing this?
We aim to help take some of the stress out of renting your home on the Vrbo family of sites. Most Vrbo stays are successful and positive, but on those rare occasions when an accident happens, we want to help our partners to be prepared.
How does it all work?
This programme automatically applies when a reservation is processed online through Vrbo checkout. This coverage is included at no additional cost to you. Any incidents that occur in a property booked and paid for outside of Vrbo checkout are not covered.
This programme applies to all stayed nights that occur on or after May 8, 2017, regardless of check-in or checkout date, provided that the property has been booked and paid for through Vrbo checkout. For more information on the specifics of what is covered, see Policy Summary.
Claims made against you will be administered by the insurance provider in accordance with the policy terms. Please see the Policy Summary for more information.
This programme is administered by Generali Global Assistance & Insurance Services. Vrbo is the policyholder and, as defined under the programme terms, owners and property managers are insureds. Generali Global Assistance & Insurance Services is part of the Europ Assistance (EA) Group, a global leader in the assistance industry.
What do I need to do to make sure my reservations are eligible?
If a reservation is processed online through Vrbo checkout, the programme automatically applies during the term of the rental period. If a booking is processed or paid for outside of Vrbo checkout, the programme does not apply.
How long does it take for a claim to be resolved? How do I check the status of a claim?
Many factors — including complexity, details of the claim, and associated damages — can affect how long it takes to resolve a claim. To help expedite your claim, try to have all related documentation and statements available before you call. If you have questions about the status of your claim or its status, you can contact your dedicated Generali Global Assistance & Insurance Services claims representative.
How does this programme work with my homeowner's policy?
As part of listing on Vrbo, you are required to have sufficient insurance coverage. For more information, please review the Terms and Conditions. This liability policy works alongside your existing policy to provide coverage in case a liability claim is made against you. If you have questions about the specific terms of your homeowner’s policy, we recommend speaking to your personal insurance agent. Note you may be required to pay a deductible of 25% if your insurance coverage does not contribute.
Is this going to make my fees go up?
No, your fees will not go up because of this programme.
My property is in a different country than the one in which I reside. Will it be covered under the terms of this policy?
$1M Liability Insurance is global in scope. No matter where in the world your Vrbo rental is, if a reservation is processed online through the Vrbo checkout, that stay is protected by this policy, subject to terms Policy Summary
What is the difference between $1M Liability Insurance and Proper Insurance?
Vrbo’s $1M Liability Insurance programme through Generali – US Branch applies to liability and medical payments claims only (traveller injury or damage to someone else’s property) and is provided at no additional cost to you. Furthermore, the $1M Liability Insurance programme only applies when the reservation is processed online through Vrbo checkout.
Vrbo has recognised and endorsed Proper Insurance as our preferred comprehensive home insurance vendor in the US Specially designed in conjunction with Lloyd’s of London for the holiday rental industry, the Proper policy is annual commercial homeowners insurance, and entirely replaces your existing homeowners or landlord insurance policy.
Proper Insurance provides coverage for all stays within your holiday rental property, regardless of the source of the booking or how the reservation was processed. It covers damage from renters, damage from natural disasters, loss of income, and liability. Available in all 50 US states. For a quote, find out more.