travel insurance for vacation house rentals

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The 6 Best Vacation Rental Travel Insurance Plans

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

AIG Travel Guard »

Nationwide Insurance »

Red Sky Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Vacation Rental Travel Insurance Plans.

Table of Contents

• Rating Details
• Allianz Travel Insurance
• Seven Corners

When you're planning an affordable yet fun-filled vacation, a rental home can be a great lodging option. By booking a vacation rental that's a condominium, a rustic cabin or a private villa instead of a hotel or resort, travelers get to enjoy more of the comforts of home during a trip, such as a living space and a kitchen to make meals in.

But you can't plan for everything, so you don't necessarily want to skip over a travel insurance policy in case something goes wrong. Investing in vacation rental travel insurance is the best protection you have against inclement weather or a natural disaster ruining your trip or forcing you to evacuate your vacation home before the end of your rental period.

The best travel insurance plans also offer additional coverage for travel delays, baggage loss, emergency medical expenses, emergency evacuation and other perils. Before you book a vacation property directly from an owner or through a platform like Airbnb, Vacasa or Vrbo, read on to learn about the best travel insurance policies for this type of trip and what they include.

• AXA Assistance USA
• AIG Travel Guard
• Nationwide Insurance
• Red Sky Travel Insurance

Best Vacation Rental Travel Insurance Plans in Detail

Customizable coverage that works well for vacation rentals at any price point

Kids 17 and younger covered for free with some plans

OneTrip Basic plan may have insufficient coverage for your needs

• Trip cancellation coverage worth up to $100,000
• Trip interruption coverage worth up to $150,000
• Trip change protector worth up to $500
• $50,000 in coverage for emergency medical expenses
• Up to $500,000 for emergency medical transportation
• Baggage loss and damage coverage worth $1,000
• Baggage delay insurance up to $300
• Travel delay coverage worth up to $800 ($200 per day)
• 24-hour travel hotline assistance

Broad selection of plans to choose from

Ideal vacation rental coverage for domestic trips available

Domestic plans with Air Travel Bundle come with low limits for baggage and personal effects

• Trip delay coverage worth up to $300 ($100 per day)
• Travel inconvenience coverage worth up to $150
• Baggage coverage worth up to $500 ($250 maximum per item)
• Baggage delay coverage worth up to $250 (up to $100 per day)
• Emergency accident and sickness coverage worth up to $50,000
• Coverage for emergency evacuation and repatriation of remains worth up to $250,000
• Emergency dental expense coverage worth up to $250

Offers comprehensive coverage based on your needs

Customize your policy with available add-ons

Optional CFAR coverage only available with Platinum Plan

• Trip cancellation coverage worth up to 100% of the total trip cost
• Trip interruption coverage up to 100%
• Trip delay coverage up to $500 ($100 limit per day)
• Missed connection coverage up to $500
• Emergency medical coverage up to $25,000
• Emergency evacuation coverage up to $100,000
• Accidental death and dismemberment coverage up to $10,000
• Common carrier accidental death and dismemberment coverage up to $25,000
• Baggage delay coverage up to $200
• Baggage and personal effects coverage up to $750

Customizable coverage with high limits

Cancel for any reason coverage available

Low medical expense limits for Essential Plan

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 150% of the trip cost
• Up to $1,000 in coverage for lost baggage
• Baggage delay coverage worth up to $300
• Travel medical expense insurance worth up to $50,000
• Up to $500,000 in emergency medical evacuation protection

10-day review period available

Preexisting conditions can be covered

Nationwide does not offer single-trip plans without medical or baggage insurance

• Up to $30,000 in trip cancellation insurance
• Trip interruption coverage worth up to 200% of the total trip cost (maximum benefit of $60,000)
• Trip delay coverage worth up to $250 per day ($2,000 maximum)
• Missed connection and itinerary change coverage worth up to $500
• Secondary coverage for baggage and personal effects worth up to $2,000
• Baggage delay coverage worth up to $600 for delays of 12 or more hours
• Accident and sickness medical expense coverage worth up to $150,000
• Emergency dental coverage worth up to $750
• $1 million in insurance for emergency medical evacuation
• Coverage for terrorism in a vacation destination

Choose from tailor-made plans for vacation rentals

Can only be purchased directly through vacation rental companies

Limited coverage options available (no option for rental cars or CFAR)

• Up to $100,000 in reimbursement for vacation rental expenses
• Trip delay coverage worth up to $750 (maximum of $200 per day)
• Coverage for emergency medical expenses and emergency medical evacuation (policy limits vary)
• Baggage delay insurance worth up to $1,000 per day ($200 per day)
• Emergency roadside assistance
• Worldwide emergency assistance services

Frequently Asked Questions

Vacation rental travel insurance works like any other type of travel insurance coverage. You pay a premium for the policy upfront, and you get varying levels of protection for trip cancellation or interruption, emergency medical expenses, emergency medical evacuation, lost or delayed baggage, and more.

You may not need certain types of travel insurance for trips in the U.S., such as coverage for emergency medical expenses if your own health insurance still applies. You may also choose to skip rental car insurance if you're using your own car and insurance for your trip. That said, it can still be beneficial to pay for travel insurance that covers trip cancellation and interruption, emergency medical evacuation, and more.

You can buy travel insurance online from top insurance companies. You may also be able to secure coverage with your vacation rental provider. Compare plans on TravelInsurance.com .

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included vacation rentals within the U.S. and all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

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Should you purchase travel insurance for your vacation rental?

Vacation rentals booked through Airbnb and its alternatives have become popular holiday destinations for all types of travelers, from extended families staying in large beachfront homes to couples vacationing in swanky city apartments.

But what happens if these rental properties, especially ones worth millions of dollars, get damaged before you arrive or if your plans unexpectedly change, causing you to need to cancel or shorten your stay?

While the exact outcome will depend on the situation, if you purchase travel insurance , you may find you're eligible for compensation.

So how do you know if it's worth the investment before your next trip? TPG dug into the details to determine what standard travel insurance policies may cover you for when staying at home rentals — and when you may want to purchase some additional coverage.

For more TPG news and tips delivered each morning to your inbox, subscribe to our daily newsletter .

What travel insurance covers for vacation rentals

Traditional travel insurance policies offer features that will cover you and your invested travel costs, whether you're staying at a hotel , friend's house or rental property. Although the exact benefits for vacation rentals may vary slightly depending on the policy you choose, there are a few situations that most will cover.

Your vacation is canceled due to sickness, injury or an emergency

Many hotels offer free cancellations until two or three days before arrival so long as you book your rooms with flexible rates. However, this is rarely the case for vacation rentals, which often have strict cancellation policies requiring 30 to 60 days of advance notice to cancel without penalty. Some even go so far as to have completely nonrefundable deposits, regardless of the cancellation circumstances.

Fortunately, there's a workaround to this conundrum if you find yourself in an unexpected situation involving your health or the health of someone close to you: trip cancellation coverage. If you have insurance with trip cancellation coverage and cannot complete your trip as planned due to select health-related issues, you'll be able to recoup up to 100% of your nonrefundable costs.

While the exact cases that are eligible for complete reimbursement vary by policy, know that many pertaining to health are covered. For example, World Nomads ' trip cancellation insurance policy will cover you in the event you need to cancel your vacation, including any stays at home rentals, due to illness, injury or a death in the family.

You have to cut your vacation short due to a medical reason or natural disaster

In addition to helping you out when you need to cancel your entire vacation, insurance can reimburse you for early departure fees when you find yourself needing to cut your vacation rental stay short. Know, though, that you'll need to have a policy offering trip interruption protection to be eligible for this perk.

Covered reasons for ending your stay early will vary from plan to plan, but typically, policyholders can expect reimbursement due to health-related issues and natural disasters like hurricanes, wildfires and blizzards. For instance, IMG's travel insurance covers sickness, injury and natural disaster evacuations when cutting vacation rental stays short.

You cannot stay at the rental due to it being uninhabitable

If you book a vacation rental that is not fit for human habitation, then the booking company or owner should refund all your costs. However, there are rare occasions when this does not happen, so it's important to have travel insurance as a backup.

To qualify for reimbursement from your travel insurance provider due to uninhabitable conditions, you'll need to read the fine print of your chosen policy. Allianz , for example, defines uninhabitable as "a natural disaster, fire, flood, burglary or vandalism that has caused enough damage (including extended loss of power, gas or water) to make a reasonable person find their home or destination inaccessible or unfit for use."

Other situations, such as having an unpleasant or dirty vacation rental , would not be enough to trigger this coverage.

Should you have to find another property or cancel your trip completely due to uninhabitable conditions at your original rental, your travel insurance plan will cover the added costs you incur.

Related: 13 mistakes to avoid on your next vacation home rental

What travel insurance won't cover for vacation rentals

As you may expect, there are some situations when travel insurance won't cover extra expenses related to stays at rental properties. To have a solid understanding of what to expect, be sure to read the fine print of any insurance product you choose. Only circumstances listed in the policy will be covered. The following are two key reasons why you wouldn't be covered.

You accidentally damage the property during a typical stay

Most travel insurance policies will not cover the costs of damage you incur at a rental property, even if it was done by accident. As a result, you must pay for a replacement or repair to any item you accidentally break or damage, such as a work of art, a garage door or wine glasses. Depending on the item in question, this can quickly add up.

If you have a homeowners or renters insurance policy, know that it may include protection beyond regular limits called "umbrella" coverage, which can help cover damage caused at a rental property. Keep in mind, though, that you'll have to pay your deductible first. Additionally, your home insurance rate may rise if you submit a claim for vacation rental damage.

Should you wish to stick with travel insurance, you may be able to add extra vacation rental coverage to a traditional policy to assist with accidental damage. Faye's travel insurance , for example, has an add-on feature that offers "coverage if you unintentionally damage the vacation rental property you're staying in or its contents, while in-trip." It costs about 10% of what you'll spend on the main policy itself.

You damage the property while hosting a party

Across the board, travel insurance policies are much more strict about damage caused during parties. If you host an unapproved party or event at a rental property and damage any part of the rental, you will be responsible for covering costs associated with repairs and replacements.

Even approved events are not entirely off the hook for any damage caused to the property. Should you decide to use a vacation rental for an approved event like a wedding or family reunion, expect the booking company or owner to require you to purchase an event-specific insurance policy that covers guest liability, home damage and other items that may be specific to the location.

Related: 6 truths and myths about 'cancel for any reason' travel insurance

Bottom line

Home rentals can be a great lodging solution when you're on vacation, especially if you're traveling with family or friends. However, the high cost of some vacation properties and the cancellation policies often in place mean you should probably purchase some kind of travel insurance to protect your investment.

Typical travel insurance policies will offer coverage for your vacation rental costs should your trip be canceled or delayed for events covered under the policy, but you may be on the hook for other scenarios. As a result, it's vital you pay careful attention to your policy's terms. Doing so will ensure you know what to expect should you face an unexpected situation while enjoying your temporary home away from home.

Related: 7 things to look out for when buying travel insurance, according to an expert

Vacation Rental Insurance: 6 of the Best Companies [2024]

Travelers are returning to the road in 2024, and they’re turning to short-term rentals of vacation properties more than ever. In 2023, 64% of Americans expected to rent vacation homes and apartments in their travels.

As demand and rentals increase, so do the risks of managing short-term rental properties. While many major renter companies offer some form of insurance, rental property managers turn to outside insurance companies for more comprehensive protection against liability and property damage. 

Finding an insurer that fits all management needs can be a task, so Safely has lined up six of the leading rental property companies that offer the best vacation insurance in 2024. These companies have proven to be effective and accommodating to short-term rental property managers and offer comprehensive slates of coverage.

To make it easier, we’ve outlined:

• The important features to look for when comparing vacation rental insurance companies
• What a good vacation rental insurance plan should cover
• The best vacation rental insurance policies, and why they may be a good option for you

Of course, full disclosure: You’re reading this on the Safely blog, and it’s no surprise that we work hard to offer what we believe is the best vacation rental insurance option.

But we also understand that as a responsible vacation rental host or property manager, you’ll want to do your research before you make a decision. And with something as critically important as insurance, you want to be absolutely certain you’ve looked at all the best options before you invest.

That’s why we’re here. We’ve compared the following companies to help you decide who is the best short – term rental insurance provider in 202 4 :

• Rental Guardian
• American Family

We’ve summarized each and suggested which might be best for you depending on your vacation rental and business needs.

Protect your business from costly damages with Safely’s short-term rental insurance.

What makes a best-in-class vacation / short term rental insurance company?

With so many short-term rental insurance options available, it’s important to identify the key features that will complement your business model.

To make an apples-to-apples comparison of the top vacation rental insurance companies, let’s review them in the following categories:

How easy is their claims process?

Good vacation rental insurance companies make it easy for you to make a claim with a process that’s fast and simple to follow. Online claims processing should feature easy-to-understand interfaces and clearly explained steps. It should also be easy to contact customer service, preferably at any time of day.

How quickly do they provide claims payouts?

When dealing with damage at your rental property, the last thing you want is a long payout time from your insurer. A good insurance company should have a strong history of fuss-free, fast payouts. Some states require insurance carriers to issue payouts within 30 days of filing, but many carriers profess to take much less time.

What are their policy terms, conditions, and commitments?

Good vacation rental companies should offer you the option to only pay for insurance when your property is actively being rented, so you’re not left paying out of pocket when you don’t have a reservation. Safely offers this benefit. 

The insurance carrier should also offer the option of customizing coverage to add incidents like accidental injury or vandalism.

Who is covered or named on the policy?

Look for vacation rental insurance policies that cover the property manager, homeowner, and guests. Some companies also offer coverage for animals if your guests plan on bringing pets.

How do they verify the identity of your renters?

Guest screening isn’t technically part of insurance, per se. However, many good vacation rental insurance companies offer it because it’s such a useful tool when it comes to preventing bad stays before they happen, and identifying potentially problematic guests before they arrive. The best guest screening platforms make the process unobtrusive and fast, and will scan for criminal records, as well as check for fraud risk and previous damage.

Does the company have a dedicated adjuster focusing on short-term rental insurance?

Learn whether the insurer has specific point people who concentrate on short-term vacation rentals. It’s not necessarily a deal-breaker if they don’t, but it’s helpful to have a specialist who understands the specific issues and risks short-term rental property managers face.

What is their reputation with clients and travelers?

Vacation rental insurance reviews give a snapshot of underwriters’ service, ease of use, and effectiveness. Look for well-reasoned, composed reviews from other rental property owners and their customers.

Are there limitations or requirements for specific rental platforms?

Verify that the insurance carrier offers coverage for properties on Airbnb, Vrbo, or whatever platform you use to promote your property. Some insurers may balk at covering unfamiliar rental platforms or have terms that overlap the coverage offered by the platform itself.

Here’s what vacation rental insurance should cover

Here’s what vacation rental insurance should cover

Now we’ve looked at what best-in-class companies should offer, let’s look at exactly what authorities believe policies with the best vacation rental insurance for 2024 should include. We recommend:

• Property contents and belongings – Ensure your policy covers the replacement cost
• Structural property damage – Good policies will cover labor and material costs too
• Bodily harm – Make sure you’re covered for issues such as the accidental physical injury of a guest
• Personal liability – Protect yourself in case an injured guest sues you
• Guest screening options – Screening guests in advance offers even more protection, so if this is included in your package, it’s definitely a bonus
• Business income – Safeguard your revenue stream with protection against business interruptions or temporary closures 

The 6 best short-term / vacation rental insurance companies

Here’s our pick of some of the most popular options for the best vacation rental insurance for 2024.

Safely provides comprehensive insurance specially designed for vacation rentals. That means our professionals understand the risks and issues that come with renting your home out to strangers, and we’re highly specialized in the industry.

Our claims process is quick and easy (simply take photos and submit the claim online), and offers coverage of up to $1,000,000 for injury and damage. Safely also offers guest screening as a complimentary service, which detects the risk of disrespectful guests, fraud, and even more serious crimes—so you can stop high-risk situations before they happen. Safely pays out claims within an average of four business days.

All we need is a name, birthdate, and address to check databases, court records, and existing reports of guests who have previously caused damage due to negligence. This creates even less risk to your property, less chance of neighbor complaints , and more peace of mind for everyone involved.

Safely also integrates with leading property management systems (PMSs) and online travel agency (OTA) platforms, so all of your technology works seamlessly together.

Best for: Property managers and homeowners who want total peace of mind that their businesses and guests are protected with quick claims and fast payouts.

What users say about Safely

“The claims process is insanely simple to go through, especially compared to other industry companies in vacation rentals. It’s also a really, really powerful thing when you can make a claim on something that isn’t necessarily accidental.” — Natile e Riorda, Monarch Luxury Villas

“I love working with everyone at Safely! They’re all kind and approachable. If I have a problem I can always talk to a real person. And, everyone in their different departments can help me whether it’s financing, claims, or just questions.” — Raina Pratt, Enjoy Montana VR

“We came on to Safely about three years ago [after] we discovered that Safely offered a lot more protection for ourselves and for our vacation rental owners, so it’s been a great move for us.” — Pam White, White Sail Realty

2. Superhog

Superhog offers damage and risk protection specially designed for vacation rentals and covers guests and property managers who have chosen the route of taking deposits or collecting damage waivers from their guests.

Its Host Guarantee covers up to $5,000,000. However, Superhog isn’t an insurance policy as such, and doesn’t cover property or liability, so users must have this on top. It covers damage to the owner’s property or belongings caused by a paying guest during a validated stay.

Superhog also offers AI-driven guest screening via its “Know Your Guest” app and automates the collection of payments from guests (and refunds, where necessary) such as deposits or damage waivers.

What users say about Superhog

“We have been working with Superhog for over 2 years now and we can’t recommend them enough. Excellent communication and the service is above and beyond.” — Roni Khatun, vacation rental host

Proper Insurance offers policies for Vrbo and Airbnb hosts, as well as insurance for properties that are sometimes used by their owners, or sometimes unoccupied. In partnership with underwriters Lloyd’s of London, it offers a robust policy option for accidental or intentional damage to buildings or contents, and guest injury.

It offers $1,000,000 worth of protection (with an optional $2,000,000 per occurrence), and coverage for amenities such as pools, hot tubs, bicycles, and other equipment. It offers protection in the event of accidents, but also for intentional damage or vandalism by guests (with no limit)

However, its policy summary makes no mention of guest screening, or of its claims process, nor of how long it takes for payouts to be made, and some reviewers have said that their claims process took a while and communication wasn’t as easy as they would have liked.

Best for: Hosts or property owners who want their vacation rental insurance to replace their existing policy (including homeowner’s insurance, landlord, and commercial rentals) and offer coverage even when the property is being used by the owner.

What users say about Proper

“Being able to provide Proper Insurance as a resource to our vacation rental clients is important, especially for the luxury homes we manage. Many of these owners have specific needs to which Proper sometimes is the only choice.” — Pete Slaga, Turnkey Vacation Rentals

4. Rental Guardian

Rental Guardian offers protection for a wide range of traveler needs, including for renters and students as well as property managers. It positions itself as a digital portal for property managers, and offers services such as reporting, invoicing, and profitability tips as well as online claims processing.

However, like Superhog, it doesn’t offer comprehensive rental insurance as such, and instead has a damage protection plan that protects hosts against accidental personal property damage by a booked guest. Its coverage ranges from $500 to $3,000 in the US and internationally, and up to $5,000 in the US alone.

Best for: Property managers who are looking only for damage protection—not comprehensive insurance—and who don’t need higher levels of protection (up to $5,000 for US-based units).

What users say about Rental Guardian

“I can’t say enough good things about doing business with RentalGuardian and all their staff. Everyone I have dealt with has been very informative, professional, quick to respond and very friendly. The level of service is impeccable! Highly recommended!” — Lisa, Cabo Villas

5. Generali

Generali vacation rental damage protection comes from the global insurance company of the same name. Its vacation rental insurance solution focuses purely on damage protection for accidental damage caused by a guest during a stay.

Best for: Hosts, owners, or property managers who are looking for damage protection rather than comprehensive insurance coverage.

What users say about Generali

“My phone representative was super and deserves a 5-star rating or the highest you can get. She was very nice and patient in helping me understand the terms and getting me into the best coverage for the money.” — Charles B, US

6. American Family

Insurance giant American Family offers innovative insurance plans for owners who only rent their properties out during certain seasons or own second homes rented out on a short-term basis. 

Coverage from American Family goes on top of one’s homeowner or landlord policy, protecting your home’s contents up to certain limits. American Family also provides optional plans for covering itemized personal property and hidden water damage. The company prides itself on its flexibility and attention to security detail.

Best for: Managers who only rent out their properties during certain seasons, especially summer, or those who own a second home exclusively for short-term rentals.

Safely: Vacation rental insurance that actually works

It stands to reason that the insurance company that’s best adapted to your business needs is specialized in short-term rental solutions—but you’ll still need a clear understanding of what features most apply to your specific circumstances.

At Safely, we pride ourselves on offering comprehensive insurance with a claims process that’s simple to understand, and a team that’s experienced and supportive—whether you’re dealing with a serious accident like a guest breaking their leg on a wobbly step, or a small issue like a stained carpet.

FAQs about the best vacation rental insurance

What kind of insurance do i need for a vacation rental.

A vacation rental needs specialized insurance that’s tailored to your operations—homeowners insurance doesn’t normally cover properties being used for commercial purposes. Make sure that your policy covers property contents and belongings, structural damage, accidents and intentional damage, theft, bodily harm, and income protection if an issue leads to downtime. Good insurance companies will also offer guest screening.

What kind of insurance should I get for my Airbnb?

Airbnb says that it offers $1,000,000 in coverage in case of damage or injury via its Host Protection program, but even admits itself that this doesn’t amount to a proper insurance policy. That’s why your Airbnb needs a comprehensive cover that will pay out in the event of contents or building damage, accidents, or theft. The best vacation rental insurance companies, such as Safely, understand you need a policy that is tailored to Airbnb rental homes, and will pay out in days to enable you to get back to business fast.

How much does Vrbo rental insurance cost?

Vrbo properties need comprehensive vacation rental insurance with a specialist company like Safely to ensure that all eventualities—from contents or building damage, guest injury, negligence, or accidents—are covered. The amount you pay for your insurance will vary depending on factors such as location, the size of the property, how often you rent it, and the amount of coverage you need.

Safely’s Short-Term Rental Protection

Related Resources

How to Maintain Healthy Insurance Premiums for Short-Term Rentals

How to Use Social Media to Boost Your Short-Term Rental Visibility

Maximizing Revenue With Dynamic Pricing Strategies for Vacation Rentals

Five Reasons to Work with Licensed Insurance Agent for your Short-Term Rentals

Successful Vacation Rental Management: Expert Insights From Top Short-Term Rental Leaders 

What to Do When Your Rental Property Has Water Damage

• Short-Term Rental Insurance

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Vacation Rental Insurance: What It Is and Why You Need It

Last Updated: May 3, 2024 May 14, 2024

After all the effort you put into finding the right rental for your vacation, it would be a shame to learn that an unexpected emergency caused you to lose your deposit. That’s where vacation rental insurance comes in. Getting this coverage can protect your investment and give you peace of mind so you can enjoy your travels.

What Is Vacation Rental Insurance?

For travelers, vacation home rental insurance is a policy that helps protect you if something goes wrong with your accommodations while traveling.

What might go wrong? Any number of things. For instance, you might:

• Have to cancel if you have a sudden medical emergency before your trip
• Need assistance for an injury you experience while on vacation
• Cut your trip short when a hurricane strikes
• Accidentally damage the property you’re renting

Depending on the vacation home rental insurance you get, these and other issues may be covered. Even better? The coverage typically applies to your traveling companions, too.

But no insurance policy can cover every situation — and that’s true of vacation rental plans, too. Most policies don’t cover situations such as:

• A change of heart about your destination
• A bad cold that makes traveling uncomfortable
• Purposeful, malicious, or negligent behavior
• Damage caused by a pet that wasn’t allowed in the rental contrac

You should also know that policies can vary from company to company. Some insurance for vacation renters actually covers lost baggage and car rentals. That means you want to take a look at what the policy you’re considering covers to see how well it matches up with your trip.

Please note: Vacation rental insurance can also refer to coverage for the property owner. Home insurance policies as well as the plans offered by rental platforms like VRBO can provide coverage for property owners.

How Much Does Insurance for Vacation Rentals Cost?

The cost of vacation rental insurance varies based on a number of factors, like the overall cost of your trip, but you can generally expect to pay between 5-10% of your overall trip costs.

Plus, the more protections you want the more you’ll likely have to pay for your policy. So if you may end up with a higher premium if you want:

• A waiver for a pre-existing condition
• Coverage for inconveniences, like getting locked out of your rental home
• Cancel For Any Reason coverage
• Reimbursement for baggage delays

You may also end up paying more for your policy if the company insuring your vacation rental offers other extras, like concierge service or identity theft protection.

The key to finding affordable vacation rental insurance is comparison shopping. Just be sure you look at more than the cost. While price is important, so are the coverage options. A bargain basement policy isn’t a good deal if you end up with less coverage than you need.

Is Vacation Home Rental Insurance Worth It?

Insurance for vacation rentals is a smart move, especially considering the time and money you’ve put into planning your vacation. Cancellation policies can vary dramatically by rental platforms and management companies. If you’re ever caught in a difficult situation, vacation rental insurance can make all the difference.

By Virginia Hamill

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Travel Insurance for Your Vacation Rental with the Generali CSA 330 plan . You only pay 6.95% of your total prepaid non-refundable trip cost including airfare.

Are You Renting A Vacation Home, Beach Home, House, Condo or Cabin?

If so, you can easily get a trip cancellation, trip interruption travel insurance plan to cover you and your co-travelers in case you are forced to cancel or interrupt your trip. The cost is 6.95% of your total prepaid non-refundable trip costs.

If you need coverage for Trip Cancellation, Trip Interruption, Medical expenses and /or Medical transportation due to a Pre-Existing Medical Condition , this is what you need to do: a. Buy this plan anytime prior to or not more than 24 hours after your final Trip Payment; and b. Be medically able to travel at the time the coverage is purchased; and c. Insure 100% of your prepaid Trip costs that are subject to cancellation penalties or restrictions.

If you don't need coverage for Pre-Existing Medical Conditions, you may buy the Generali CSA 330 plan anytime before you leave home.

The Generali 330 Plan's Description of Coverage and Policy Wording

We want to earn your Travel Insurance business. When you're ready to get Travel Insurance, just call Deanna, Kim or Steve toll free at 1-888-407-3854

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Travel Guardian

Protection for Hurricanes, Natural Disasters, Death in the Family, Sickness, Injury, Medical Coverage and More

Offering Travel Guardian to your customers fosters peace of mind for property managers, owners and travelers.

Travel guardian features.

• 30+ different trip cancellation and trip interruption covered reasons, reimbursing up to 100% of non-refundable costs.
• Protection for hurricanes, natural disasters, death in the family, sickness, injury, medical coverage and much, much more.  
• One of the broadest coverages in the entire global travel insurance industry.   
• greatly simplifies the travel protection purchase process,
• supports more coverage option offers,
• reduces administrative burden, and
• integrated booking path offers increase penetration “take-up” rates on all reservations.
• traveler/guest (protects their vacation investment)
• homeowner/property manager (protects booking commissions earned).
• Fosters guest satisfaction and positive reviews
• Protects booking revenue against last-minute guest cancellations
• Multiple underwriters (Nationwide® and US Fire) give clients the ability to fulfill more travel insurance requests vs. a single underwriter solution. 
• Custom, co-branded Microsites automate direct purchase and second-chance purchase opportunities.
• eliminates snail-mail document delivery,
• maintains all parties in compliance, and
• reassures travelers by delivering their policy ID and claims contact information.
• US resident travelers (all 50 states)
• Canada resident travelers (all provinces except Quebec)   
• Retail cost: 7.0% x Trip Cost
• Authorized property managers offering travel protection earn related compensation.
• Travel Guardian travel protection programs are offered by authorized travel insurance retailers of InsureStays, dba of Sandhills Insurance Group LLC, NPN 16269113, a licensed agency headquartered in Pawleys Island, South Carolina, and holding resident and non-resident insurance agency licenses throughout the United States. Visit www.insurestays.com for more information. Terms and conditions apply.

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Vacation Rental Travel Insurance

Short Term Rental | 0 comments

Vacation rental homes grow in popularity as the perfect way for families to spend time together and a safe way to follow social distancing mandates. The options are many, with cottages, houses, luxury tents, condos, and RV’s available to meet personal preferences and travel styles.  

The fun in planning a trip is getting everyone’s idea on where to go and what to do. However, most people do not think about adding travel insurance during the planning process. Cruising or flying is what most people feel needs to be insured.  Adding travel insurance to your vacation rental stay makes a big difference in your overall experience. 

Here are six  tips for handling unforeseen situations when renting a vacation home and how insurance can help you solve the issue with less stress and more resolutions when you select one of Allianz Travel Insurance options.

Take the worry out of becoming ill – Allianz Travel Insurance covers it. 

Trip interruptions are the most common reasons vacations stop before they even start. Work changes and illness before you leave are show stoppers, and each one is covered by travel insurance. As disappointing as a canceled vacation can be, having your investment covered eases the pain of saying “I can’t go right now!” 

Bring on the joy! Deposits are covered.

Non-refundable rental deposits are like a mystery. “Where does the money go?” What’s not a mystery is Allianz travel insurance covers situations that may require canceling your trip; natural disasters, jury duty, illness, or injury can stall your travel plans before they start. One aspect of renting a vacation home is the dreaded dead-end deposit.  Take the fear away and recover your non-refundable rental deposit, and you are ready for a brighter day. 

Medical emergencies can stop your plans. Allianz travel insurance covers you.

Medical Emergencies can be the most serious vacation situation, requiring immediate attention, and a call to the 24-hour assistance will get you on the road to recovery locating a nearby medical facility for the care you need. Allianz professionals will keep your family up to date and help with any next steps. Focus on recovering and Allianz will work on all the details.  

Weather can disrupt and stall your plans 

Unpredictable Weather Conditions can cause evacuations, canceled plans, and emergency medical situations. Each one is covered by travel insurance. It is important to note that travel insurance must be purchased before the storm is named. During hurricane season it is best to purchase coverage even if there isn’t a storm forecasted at the moment.  Allianz can keep you up to date on weather conditions in your area and keep you out of harms way.  

Friendly, professional and quick response; that’s the Allianz Concierge Services specialist.

Allianz Travel Insurance Concierge Services  have professional who know vacations are about relaxing and feeling stress-free. A concierge specialist will do the legwork for you, providing options for all the things we love to do. Restaurants, tours, historic sites; they can help you find them. All you’ll need to do is arrive at your scheduled reservation time, provide payment, and enjoy. Allianz Travel Insurance = Stress-free vacations. Planning made easy!

Expert tips and assistance at your fingers tips .

Allianz TravelSmart App – brings it all together. Your Allianz Travel Insurance plan comes with TravelSmart, a free app to help you plan before and during your trip. In addition to giving you a convenient way to see your plan benefits all in one place, TravelSmart App puts valuable information at your fingertips. The Alerts feature gives you timely location-based updates to stay aware of developing events around you. TravelSmart App uses geolocation for updates on situations where you are traveling, including health and security risks, transportation disruptions, weather advisories, and cultural considerations. These updates allow you to know in advance any changes which may interrupt your trip so you can check your options and adjust your plans based on expert advice 24/7. 

A favorite of the TravelSmart App is the Around Me feature, which helps you find services nearby. Finding medical facilities, pharmacies, and police stations are just a click away with a 24-hour assistance who can assist with precisely what you need. When on vacation and situations change, there is no time to waste. The TravelSmart App is essential when you’re away from home. 

Allianz Travel Insurance puts time on your side and takes the stress out of your vacation so you can put all of the fun in every day and everything you do. 

For more information and to choose your travel insurance plan, visit their website – www.allianztravelinsurance.com  and for more about   Allianz Travel Insurance plans and TravelSmart App  

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Comes through when plans don't.

The red sky advantage, experienced.

Red Sky has the reputation and history of catering solely to professionally managed vacation rental management companies. You can trust that your clients’ are in good hands with our knowledgeable and experienced staff and our effective services.

Red Sky’s suite of Trip Preserver destination specific travel insurance products are underwritten by Arch Insurance Company. Since 2008, Red Sky and Arch have insured guests’ vacations in hurricane-prone coastal and snow dependent ski destinations.

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Our team of experienced vacation rental travel insurance veterans personally provide “high touch” service, support, and training to Vacation Rental Management Companies, vacation planners, and valued guests. Frequent, on-site, personal training helps with the successful growth in sales and promotion of travel insurance.

Vacation Rental Insurance for Renters: FAQ’s for Travelers & Visitors

by Mike | Oct 16, 2020 | AirBnb Investment , Live Swell Guest News , Vacation Rental Investment , Vacation Rental Training | 0 comments

Summary of Vacation Rental Insurance for Renters

• In this post & video, learn the 3 main components of a travel protection plan and why they are important
• Learn what vacation rental insurance for renters covers (including COVID scenarios)
• Find out the top reasons why travelers purchase travel insurance and IF AirBnB will cover you?
• Is vacation rental insurance for travelers worth it? How much does it cost?

Rad News & Opportunities!

•   Updated & New Content:   Vacation Rental Dojo , Mike & Maria’s Free online vacation rental learning center. PLUS  Our Vacation Rental Business Plan in a Box!
• Vacation Rental Confidential ,  Our Book:   VRC is a quick showcase of the  Live Swell Story & Proven Biz Model  Download Chapters 1 & 2  Free, Our Gift to You 
• Exclusive NEW Release:    Live Swell’s  Sparkling Clean Training & Certification Program

Does Vacation Rental Travel Insurance for Renters Exist?

Yes! With more travelers than ever choosing private accommodation, like vacation rentals and Airbnb’s, many people have been curious if vacation rental insurance for renters is available to protect this type of stay, and yes it is.

What are the main components of a vacation rental travel protection plan?

These plans typically have three main components:

• Vacation Protection : Applies when a traveler needs to cancel or a trip is interrupted. With it, you can be reimbursed for lost vacation rental costs, flights, rental cars, entertainment and more. Its important to consider how much of your prepaid trip expenses you would get back without vacation insurance?
• Damage Protection: While most don’t expect it on vacation, accidents will happen and it can be a real bummer. Of course, no one wants to lose their security deposit.  Most plans include vacation rental damage protection that can cover you in the case of accidental damage to the rental and reimburse you if your damage deposit is withheld due to a covered loss.
• Traveler Protection: Includes coverage for illness, injury, and other medical concerns (+COVID). Medical scenarios can range from a small fever, an ER visits or even evacuation. Additionally, most policies will include some level of travel assistance, such as Roadside Assistance and ID Theft Resolution.

How much does vacation rental insurance for renters cost?

A comprehensive travel insurance or protection plan will typically will cost about 4% to 8% of the cost of a trip, according to the U.S. Travel Insurance Association, some estimates are up to 10%. At an average of 7%, that is $70 to protect every $1000 of trip cost, which is very reasonable (Example: A $4,000 trip would cost around $280 to insure). Obviously, the exact cost of a particular policy will depend. There are many factors that come into play in determining cost of a vacation rental protection plan including;

• Length and cost of the trip
• Cost of local health care
• Medical conditions you want covered
• Amount and breadth of coverage

Which companies offer vacation rental insurance for renters?

There are many companies that offer policies designed to protect travel to rental homes and more. Here are a few of the top companies offering policies; Travel Guard , CSA Travel Protection – Generali , Travel Insured International and Berkshire Hathaway Travel Protection .

What does vacation rental insurance for renters cover?

Ultimately, this will depend on the specific plan you choose. Most comprehensive plans include three main components; vacation protection, travel protection and damage protection. Further, with comprehensive travel insurance plans, benefits and coverages are in affect before and while you travel .

Is trip interruption due to COVID-19 illness covered with travel protection plans?

There are travel protection policies available that do protect trip cancellation due to COVID-19 along with many other illnesses. However, it is important to be mindful that not all plans may cover COVID-19 or illness in general.

What if I’m simply afraid to travel due to COVID-19?

If you want to cancel your trip out of  concern  for the Coronavirus, you will need to have a plan with “Cancel for Any Reason” (CFAR) type Coverage. This benefit may be time sensitive coverage and not all travelers may be eligible. So check with your provider.

Will my travel companions and I be covered on the same rental protection plan?

Typically, yes, everyone staying at the reservation is insured. Be mindful that some coverages may be subject to plan maximums.

What is “Cancel for Any Reason” coverage (CFAR)?

Cancel for Any Reason is an optional benefit that may be offered as part of a comprehensive travel insurance plan. This benefit allows you the opportunity to cancel travel plans and be reimbursed for up to a percentage (in the 75% range) of the insured prepaid, non-refundable trip cost that you stand to lose.

Is “Cancel for Any Reason” always an option? What about the cost of CFAR?

This benefit is usually ONLY available within a few weeks of making your initial trip payment or deposit, so it is not always an option. Of course, to receive this benefit, you must pay an additional premium, in the 40% range.

Why do travelers purchase vacation rental insurance for renters?

• Covers losses for trip cancellations or trip interruptions
• Provides peace of mind, especially in an uncertain travel environment
• Protects against strict or ridged vacation rental cancellation policies
• Coverage for illness, injury, and other medical concerns (+COVID)
• Covers accidental damage to a vacation rental property
• Benefits & Coverages in affect before and while traveling

Is vacation rental insurance for renters worth it?

Unfortunately, this is another one of those “it depends” answers as travel insurance will not be for every traveler. When I was younger, and had a lot less to lose if anything, travel insurance did not seem to make sense to me. For many people it may never make sense. That is OK, if there is a scenario where travel losses are not reimbursed for whatever reason, that is the risk and outcome that will have to be accepted.

As I’ve become an adult and have more people in my life that depend on me my old perspective has changed. There are many more things (and people) to worry about, plus trips can become very, very expensive. I’ve become more of the opinion that I prefer to lose a little (the cost vacation rental insurance) than losing a lot if not protected with travel insurance.

I booked the vacation rental through VRBO or AIRBNB do they cover me?

No, they do not cover guest damage. Some online travel agencies, like VRBO , Expedia or Airbnb , do offer some protections and policies. As these are often changing its best to check directly with the agency. Note that these are not “comprehensive coverages” and only pertain to property damage.

VRBO, does offer travelers a “Accidental Damage Protection” that covers accidental damage to a vacation rental up to a certain dollar limit. Airbnb, alternatively, sets limits on how much a host can charge for damage, however, a guest can still be responsible to cough up money for damage. These gaps are where vacation rental insurance for renters would kick in and add value.

I’m renting a vacation home. Does my homeowners insurance cover me?

If you have an existing renters or homeowners insurance policy at your permanent residence, it likely includes two coverages that may help protect you while you’re at your vacation rental, personal property coverage and liability coverage. Personal property coverage typically helps protect your belongings whether they are at your home, in your car or on vacation with you. It’s important to know that your HO policy may apply lower coverage limits to personal property if they are damaged, lost or destroyed away from your primary home. Liability coverage from a homeowners policy extending coverage to a rental home, is very limited and in most cases not applicable at all. Liability helps protect you against legal fees and medical bills if someone is injured in your home and you’re found liable.

As a result of the limited and reduced nature of homeowners policies application to rental homes most renters looking for peace of mind purchase a travel protection or insurance plan.

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Why Travel Insurance is Important for Beach Vacation Rentals

Planning a beach vacation is exciting, with visions of sun-kissed shores, refreshing waves, and endless relaxation. But, as much as we might not want to think about it, it's crucial to recognize the potential risks that come with beachfront rentals.

Water-related accidents and injuries, storms and hurricanes, beach closures, damaged beach gear, and other beach-specific risks can quickly turn your dream getaway into a nightmare. That's why having a travel insurance plan designed for vacation rental trips is essential.

Before you dig your toes in the sand, consider getting travel protection that can help with the unexpected twists and turns that may arise during your beach retreat.

Here are some examples:

Water-Related Accidents and Injuries

Water is beautiful and fun, but it can also be dangerous – and not just in one way. Water has more ways to ruin a vacation than there are colors in a coral reef.

Water can fall from the sky by the buckets-full. It can rise to the point where your beachfront rental now has a swim-up bar. It can have rip currents, red tides, tsunami waves, sharp coral and poisonous fish.

Seriously, water is dangerous. It has many ways to mess up a vacation, so remember that when you’re watching the sunset across acres of it.

Having insurance with coverage for water-related medical emergencies is essential for anyone renting a beachfront property.

Storms and Hurricanes

This was mostly covered in the previous section, but large bodies of water create atmospheric instability, which can lead to rain that more closely resembles Niagara Falls than your garden-variety thundershower.

Couple that with 100-mile-an-hour straight-line winds and even the most stormproof structure is likely going to make some concessions.

The remedy? Choose insurance that helps protect you when water makes your vacation rental (or your actual home) uninhabitable or a mandatory evacuation rears its ugly head.

Read more about hurricanes and travel insurance

Rental Car Damage

When a palm tree falls on your rental car in a hurricane, you do not want to cover that with cash or put that on your auto insurance policy. You want someone else covering that.

Fortunately, Generali’s Travel Secure and Travel Care insurance plans offer Rental Car Damage coverage as an optional add-on coverage. It provides coverage if your rental car is damaged from collision, theft, vandalism, natural disasters or any other cause beyond your control during your trip.

Beach Closures and Trip Inconvenience

What if you were to spend all winter dreaming of sitting on a warm, sandy beach, and when you finally get to the beach you find it’s closed! No matter how badly it messes up your vacation, when the lifeguards say everyone off the beach, it’s time to leave.

Generali’s Travel Secure Plan can’t convince the lifeguards to open the beach, but it does include $250 in Trip Inconvenience coverage . You can claim this if the beach at your destination is closed for 24 hours or more by government authorities due to contamination by bacterial, algal, marine or water bloom or due to the nesting or migratory patterns of the destination’s wildlife, and there are no alternate open beaches within a 5-mile radius.

It won’t make up for missed time at the beach, but it can make you feel a little better about it.

Many beach vacation rentals provide amenities like surfboards, snorkeling gear, and other beach equipment. Maybe you even brought your own. Either way, the Generali Travel Secure Plan can help.

It includes Vacation Rental Damage coverage , which can cover you in the case of accidental damage to the rental or items included with the rental, including beach gear. So, if the kayak included with your rental takes a wipeout and needs repair or replacement, you’ll be glad you insured your trip.

The Travel Secure Plan also includes Sporting Equipment coverage for loss, theft or damage to your sporting equipment during your trip. So, if your own surfboard or scuba gear is damaged on your trip, you can be reimbursed up to $1,000 per person.

Likewise, if your surfboard gets delayed for a day or more – you make it to your vacation rental, but your board doesn’t -- the plan also comes with Sporting Equipment Delay coverage, which can help you pay for a rental until the real thing comes along.

Beach Risks

So many ways to get hurt on a beach, from swimming into jellyfish to stepping into a tunnel to China dug by an ambitious six-year-old.

Coverage from Generali can help protect your rental vacation from a plethora of beach-related mishaps.

Get your travel insurance quote … then it’s time to hit the beach!

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How to Find the Best Travel Insurance

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Beach Vacations

Want to dip your toes in the sand? Its summer and you need some beach time. You deserve it! Where you throw down that towel is up to you. From Sydney to Key West, there are plenty of options for you to get your beach on.

Before taking a much needed Beach Vacation , browse our latest guides and tips as to where to rent that beach house or set up shop for a lazy day of staring at waves. Don’t forget to pack your tanning oil and invest in a travel insurance plan from Allianz Global Assistance before hitting the sand. It’s the safer way to travel.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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More From Forbes

Is travel insurance refundable here’s everything you need to know.

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Sometimes, travel insurance is refundable. Here's when you can get your money back.

Peter Hoagland always checks to see if his travel insurance is refundable. That's because anything can happen between the time you book your vacation and when you leave — and because travel insurance isn't always refundable.

During the pandemic, he discovered that the hard way. He had to cancel a trip and asked for his money back from the insurance company. It refused.

"Since then, I always read the fine print on the policy," he says.

The refundability of travel insurance has always been an open question. Some countries and U.S. states regulate refundability. Travel insurance companies put refundability details in the fine print of the policy. And, as Hoagland found out, there are always exceptions.

Like the pandemic, when refund policies were all over the map. Some insurance companies adhered to their published policies. Others offered a credit that could be reused within a year, which was minimally useful because the pandemic was still happening a year later. Others quietly gave their customers a refund.

Hoagland says he fought for his money. Eventually, he contacted a manager at his travel insurance company.

"That produced a quick result," he says. "I got my money back."

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Google chrome gets second emergency update in a week as new exploit confirmed, metallica makes history with their new no 1 single.

But let's face it: Getting a refund for travel insurance can be difficult. There are times when insurance is always refundable because it's required by law. There are times when it's sometimes refundable. And there are times when it's almost never refundable. But even then, there may be a way to recover some — or all — of the value of your policy.

Getting a refund for travel insurance can be a challenge

If you have a travel insurance policy and would like to get a refund, it might be easier said than done, say experts.

"While travel insurance is regulated like auto and home insurance, it’s often less standardized," says Stuart Winchester, CEO of Marble, a digital wallet for your insurance. "So first off, it’s important to check the fine print of your specific policy. Don’t assume it’s like the last one you got."

Even when you have something in writing, a refund can require some serious negotiating skills.

"Getting a refund for travel insurance can be complicated and frustrating," says Peter Hamdy, the managing director of a tour operator in Auckland, New Zealand. He's asked for a refund on policies numerous times and says that despite what travel insurance companies may tell you, there are no hard-and-fast rules when it comes to getting a refund on your policy.

"Some situations can warrant a refund," he says. "It depends on your policy."

What does a typical refundability clause look like? For example, the World Explorer Guardian from Insured Nomads notes that it's refundable only during the 10-day review period from the date of delivery or 15 days from the date of delivery if mailed, provided you have not already departed on your trip and you have not incurred any claimable losses during that time. If you depart on your trip before the expiration of the review period, the review period ends and the policy can't be refunded.

"We go a bit further with our World Explorer Travel Medical plans," notes Andrew Jernigan, CEO of Insured Nomads. "If no claims have been filed then we can refund the unused portion of the policy if you cut your trip short.”

When can you get a refund for travel insurance?

Here are the most common cases where travel insurance can be refunded:

• If you cancel during the "free look" period required by the government. Most states require what's called a "free look" period of anywhere from 10 to 14 days. "During this period, travelers can review the purchase and make sure it fits their needs," explains James Nuttall, general manager of Insubuy . "If it does not, they can cancel it for any reason and get a full refund, no questions asked, so long as you haven’t departed yet.
• If you cancel during the travel insurance company grace period. Many insurance companies also have a grace period for refunds (usually, they are the same as the "free look" although some grace periods can be longer). "If you’re outside your grace period, which typically lasts one to two weeks after signing, you’re contractually obliged to pay your premiums," says David Ciccarelli, CEO of the vacation rental site Lake . "Still, it doesn’t hurt to ask your company for a refund or alternative options if you’re outside your grace window. You might not get a yes, but it could lead to some cost savings or better solutions."
• When someone else cancels your trip. "For instance, if your cruise is canceled due to low river tide, you are not at fault and would typically receive a full refund or credit for a future sailing, thus eliminating the need for the travel insurance policy," explains Rhonda Abedsalam vice president of travel insurance for AXA Assistance US.
• If you die. Typically, the policy would be refunded to your next of kin. Generally, you can also ask for a refund if your travel companion dies before your trip.

Remember, it depends on where you buy your insurance

The refundability of your insurance can depend on where you purchased it. Commercial policies bought from a cruise or tour company are generally canceled and refunded if you cancel the trip far enough in advance of your departure date.

"The travel insurance cancellation provisions are generally tied to the cancellation provisions for the cruise or tour," explains Dan Skilken, president of TripInsurance.com . "After you have paid the last deposits on the cruise and are close enough to departure that they will not provide a refund on the cruise, they generally will also not provide a refund on the travel insurance. But if you cancel early enough to get all or most of your deposit back, you will also get your travel insurance premium refunded."

If you’ve purchased retail travel insurance from a third-party provider or comparison website, you can often get a refund if you can show receipts proving that you received a full refund of all trip deposits and have not had any cancellation penalties or taken any travel credits when you canceled your trip.

That's because retail travel insurance is sold for a specific traveler and for a specific trip. If you have proof of a complete refund and have not received travel credits, then you no longer have what's called an "insurable interest" in the trip. The insurance company must cancel and refund your premium in full, says Skilken.

Insider tip: If the insurance company refuses, just tell them you have proof that you no longer have an insurable interest in the trip. You have to have an insurable interest in a trip to own a travel insurance policy.

Your agent may be able to help you get a refund

You may also be able to lean on the agent who sold you the policy. For example, all policies on Squaremouth come with a money-back guarantee.

"The purpose of this benefit is to give travelers extra time to review their policy documentation to be sure it’s the best policy for their coverage needs," says spokeswoman Jenna Hummer. At Squaremouth, the money-back period typically lasts between 10 and 14 days, which is in line with the mandated "free look" period.

However, I have also seen agents negotiate with travel insurance companies for a more generous refund period in case of extenuating circumstances. There's no guarantee that you'll get it, but it's worth asking — and one reason to work with a third party.

Agents can also help you avoid this problem. Susan Sherren, who runs Couture Trips , a travel agency, notes that American Airlines Vacation Packages offers a predeparture protection insurance plan, which allows cancellation for any reason before the outbound departing flight time. Other restrictions apply, she adds.

"More flexibility will often cost you more," she says. "But having the flexibility is a great way to sleep well at night."

Can't get a refund? Look for other kinds of flexibility from your travel insurance company

Even if your travel insurance company says no to a refund, it doesn't necessarily mean you've lost the value of your policy.

"If a travel supplier changes or cancels your trip, you should be able to change your travel insurance policy to match the new dates of your trip or even cover a new trip, sometimes up to two years into the future," says Daniel Durazo, director of external communications at Allianz Partners USA .

Pro tip: Be sure to change the dates of your travel insurance policy before the departure date of your current itinerary. You can do that online or by calling your agent. Once the policy's effective date has passed, making any changes or initiating a refund or credit becomes much more difficult.

Don't forget to do your due diligence

Bottom line: Travel insurance is refundable under certain circumstances. But knowing when can require research.

"It's important for consumers to carefully read their policy upon receipt to understand the specific terms offered by their insurance provider," says Robert Gallagher, president of the US Travel Insurance Association.

The more you know, the likelier you are to get the refund you want when your plans change.

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7 Best RV Insurance Companies of 2024

Money’s main takeaways.

• RV insurance is essential for both full-time RV living and occasional trips.
• Premiums are based on factors like your driving record and RV type, age and condition.
• Our top picks include Good Sam, National General and Auto-Owners Insurance.

Why Trust Us?

Money’s editorial team has evaluated RV insurance providers since 2016. Our research and analysis take into account customer satisfaction, financial stability, coverage options and availability, among others. Read the full methodology to learn more.

• Reviewed 15+ companies
• Conducted over 1,000 hours of research
• Prioritized coverage, discounts, customer sentiment, the NAIC complaint index and financial stability

Our Top Picks for the Best RV Insurance Companies

• Good Sam – Best RV Insurance Agency
• RVInsurance.com – Runner-Up for Best RV Insurance Agency
• Nationwide – Best for Multiple Discounts
• National General – Best for Full Replacement Cost Coverage
• Progressive – Best for Disappearing Deductibles
• Roamly – Best for Renting Out Your RV
• Auto-Owners Insurance – Best for Customer Service

Best RV Insurance Reviews

• Offers full-timer coverage
• Manage your policy online without agent contact
• Discounts on campsites, gear stores, fuel, and more
• Not a direct insurer

Why we chose this company: Good Sam Insurance Agency is the best option for those who need help selecting coverage. It connects you with some of the best RV insurance companies to help you get the right coverage level for your needs.

Good Sam works with renowned insurance providers like Progressive, Foremost, Safeco, and National General to offer a range of standard coverage options. Additionally, through its partnership with MexicoInsuranceOnline.com, the agency connects clients to Mexico-based insurers and offers tailored add-ons for cross-border travel, whether for single-day or extended stays.

The company also extends a storage discount, allowing policyholders to suspend collision and liability coverage when their RV or trailer remains unused for over 30 days, reducing monthly premiums. Furthermore, Good Sam assists in crafting personalized policies for full-time RVers.

Learn more: Good Sam RV insurance review

See rates on Good Sam’s Secure Website >>

Why we chose this company: RVInsurance.com can help you find a suitable policy, whether you use your RV for vacationing or as your residence.

• Specialists can help you find a policy
• Policies available for all types of RVs

RVInsurance.com works with Foremost, National General and Safeco. These companies cover all RV types, from motorhomes to campers. They offer several policy add-ons, such as full replacement cost, full-timers liability coverage and roadside assistance.

You can get a quote online, but calling to speak with an insurance specialist lets you compare policies in more detail.

See rates on RVInsurance.com’s Secure Website >>

• Free annual reviews to reevaluate coverage and discounts
• Optional towing coverage includes lodging, transportation and meals
• Various policies available for easy bundling and savings
• Many customer complaints about the claims process

Why we chose this company: Nationwide Insurance offers over 10 different discounts, including discounts for staying claim-free during the previous policy period or installing safety devices, like smoke detectors.

Most RV insurers offer discounts, but Nationwide’s list is notably extensive. You can save by bundling your RV policy with home insurance, taking safety courses, joining an RV organization like the National RV Association, paying your annual policy upfront or opting for Nationwide’s full-time RV insurance package.

Note that not all discounts are listed on Nationwide’s website, and some only come up during the quoting process. For example, according to a customer service representative, the company also offers discounts to customers whose vehicles have safety features such as tire-pressure monitoring systems or fiberglass bodies.

Learn more: Nationwide RV insurance review

See rates on Nationwide’s Secure Website >>

• Coverage for specialized equipment like solar panels
• Pause your coverage when your RV is in storage
• Experts help you find a new RV after a total loss
• Low mileage discount
• Eligibility, benefits, coverage and discounts vary per state
• Limited information about policies on its website

Why we chose this company: Full replacement cost coverage can usually only be bought during an RV’s first model year. National General, on the other hand, lets you get the rider within an RV’s first five model years.

With full replacement cost coverage — also called total loss replacement — your RV is replaced with a new or similar one if it’s totaled or stolen, potentially reimbursing you for the original purchase price. This is typically only available for newly purchased motorhomes or travel trailers up to one or two model years old. If you buy a used RV or don’t insure your new one as soon as possible, you risk it being considered ineligible.

With National General, RVs are eligible during their first five model years, regardless of ownership (some companies limit this type of coverage to original owners). It also offers the flexibility to pause coverage during storage, helping you save on premiums while protecting against theft, fires, weather damage, and more.

Learn more: National General RV insurance review

See rates on National General’s Secure Website >>

• Accident forgiveness for claims under $500
• Horse trailer coverage up to $50k
• Pet injury coverage available
• Add-on coverage available for roof malfunction
• Standard plan excludes personal property and emergency expenses
• Rates differ based on whether you buy online or through an agent
• Discounts aren't available in all states

Why we chose this company: Progressive offers disappearing deductibles, accident forgiveness and an extensive array of discounts.

With Progressive, you can save on premiums if you’re the RV’s original owner or pay your policy in advance, among other discounts. However, Progressive stands out from competitors because it offers both disappearing deductibles and accident forgiveness.

Unlike competitors, Progressive doesn’t cap its diminishing deductible benefit at $500. Instead, it reduces your deductible by 25% each claim-free period, up to $0 after four periods. While it costs extra, the feature is included with comprehensive and collision coverage for vehicles valued at $25,000 or more. Accident forgiveness for claims of $500 or less is included at no cost.

See rates on Progressive’s Secure Website >>

• Specializes in RV insurance
• Coverage even when renting out your RV
• Policies for full-time RVers are available
• Covers Canada rentals
• Only offers RV policies

Why we chose this company: Insurers typically decline coverage if you rent your RV to someone else. With Roamly, you can rent out your RV and still be covered for liability and damage to the vehicle.

Rented RVs require comprehensive commercial insurance due to their higher risk exposure when compared to personal vehicles. Failing to insure your motorhome or camper when renting it out can lead to denied claims, especially if the renter lacks coverage.

With Roamly, your RV remains covered when listed on rental platforms like Outdoorsy (owned by Roamly). Renters booking your RV through Outdoorsy can opt for a renters protection package, including trip protection, interior damage and travel medical insurance. Roamly’s policies cover rented RVs for their actual cash value during the rental period and provide $1 million in liability insurance protection per trip.

Learn more: Roamly RV insurance review

See rates on Roamly’s Secure Website >>

• Premium reduction if RV is equipped with safety features
• Towing and roadside assistance in all 50 states and Canada
• Mobile app for Apple and Android
• No online quotes

Why we chose this company: Auto-Owners is our pick for personalized customer service because of its network of independent agents, online customer center and mobile app. Customers can access claims, billing and other important policy documents on their phone, tablet or computer.

Auto-Owners has an impressive customer service record, with fewer complaints with the National Association of Insurance Commissioners (NAIC) than most competitors. It also ranked above average in the southeast region in J.D. Power’s 2022 Auto Insurance Customer Satisfaction study.

Unlike other companies, Auto-Owners only sells its insurance products through independent agents. Instead of contacting the company online, you work directly with local agencies that can better advise you regarding specific insurance requirements in your area. For example, bodily injury and property damage liability limits set by law vary by state.

Learn more: Auto-Owners RV insurance review

See rates on Auto-Owners’s Secure Website >>

Other RV Insurance companies we considered

During our research for the best recreational vehicle insurance providers, we narrowed down our initial list to 7 companies. The following didn’t make our final cut, not because they were lacking, but because other competitors had more standout features.

• Covers motorhomes, travel trailers and campers
• Includes roadside assistance, hotel discounts and more
• Coverage for lodging and transportation if your RV is damaged
• Coverage options are not standard across regions
• RV policy not available nationwide
• Limited information available online

AAA offers coverage for different types of RVs and some of its policies also cover personal effects such as electronics. However, it didn’t make our list because it doesn’t offer coverage in all 50 states.

See rates on AAA’s Secure Website >>

• Discount if you transfer from another insurance company
• Discounts for drivers 55 years or older
• Gas price locator to help you find the cheapest gas
• Limited information on company website
• Online quotes not available

Allstate’s policies include emergency travel expenses if you’re over 50 miles from home when your RV breaks down and the issue is covered under the policy. Allstate is not on our main list because it only provides quotes through its sales agents and the information on its website is limited.

See rates on Allstate’s Secure Website >>

• Total windshield replacement deductible is only $50
• Personal effects replacement limits up to $100,000
• Free accident forgiveness after 5+ years
• Offers limited information on its website
• Enhanced RV coverage unavailable in HI, MA, MI and NC
• Total loss replacement coverage availability varies

While Geico offers coverage options comparable to those of other companies on our list (such as total loss replacement, emergency expenses coverage and vacation liability), its policies aren’t available nationwide. Its website also lacks crucial details, such as available discounts.

See rates on Geico’s Secure Website >>

• Loan or lease protection coverage available
• Deductibles diminish by $100 per year up to $500
• Insures motorhomes valued at up to $1 million
• Coverage available for custom equipment
• Only covers vehicles used 250 days or less per year
• Limited information available on website
• No online quotes available

Safeco covers class A, B and C motorhomes valued at up to $1 million, but only if used recreationally. It didn’t make our list because its website doesn’t offer much information and coverage is limited to vehicles used less than 250 days a year.

See rates on Safeco’s Secure Website >>

• Coverage for emergency expenses if camper is damaged or destroyed
• Pays for transportation of damaged RV to storage, repair shop or home
• Full-timer coverage for trailers, motor homes, luxury coaches and more
• Special policies for USAA members
• Not available in DC or Hawaii
• Limited information on website

Foremost, a subsidiary of Farmers Insurance, has policies for full-timers as well as stationary travel trailers. It also covers personal-use motor homes that you occasionally rent, lease or loan. Unfortunately, this policy doesn’t cover the vehicle while it’s rented, leased or loaned.

See rates on Foremost’s Secure Website >>

• Offers storage-only insurance during the off-season
• Policy extends to travel anywhere in Canada
• Insures equipment permanently attached to your RV
• No information regarding discounts

Despite offering coverage in Canada, Farmers Insurance fell short of our list due to limited information regarding specific coverages and discounts on its website . This lack of transparency makes it challenging for consumers to assess the scope and value of its policies.

See rates on Farmers’ Secure Website >>

• Multi-vehicle, safe driver and original ownership discounts
• Coverage for all RV classes, including slide-on campers
• Members get a 5% discount on policies
• Policies only available to military families
• 5% members discount not available in all states

USAA offers RV insurance through an alliance with Progressive, which covers almost all types of RVs. The drawback to USAA’s policies is that they’re only available to military families.

See rates on USAA’s Secure Website >>

Country Financial

• Multi-policy discount
• Mobile app for Apple and Android devices
• Only available through agents
• Operates in only 19 states

Country Financial’s RV insurance policies fall under home or auto insurance. That can be a drawback for consumers who already have a preferred auto or home insurer. Another notable snag in its coverage is that it’s available in only 19 states.

See rates on Country Financial’s Secure Website >>

National Interstate

• Options for RV full-timers
• 25% deductible discount for each consecutive claim-free year
• Windshield replacement coverage
• Coverage for commercial RVs
• Website lacks information about terms and discounts

National Interstate has policy options for RV full-timers and covers commercial RVs. This insurer is not featured on our main list because its website doesn’t provide details regarding policies or discounts.

See rates on National Interstate’s Secure Website >>

The Hartford

• Lifetime guarantee for repairs done in authorized repair shops
• 24/7 claims submission
• RV replacement if it's totaled in the first 15 months
• Only available to AARP members
• Not available in U.S. territories

The Hartford allows policyholders to customize their RV insurance coverage, and its lifetime guarantee for repairs in authorized shops is a highlight of its policies. However, coverage is only available to AARP members, which is a considerable drawback.

See rates on The Hartford’s Secure Website >>

RV Insurance Guide

Like auto insurance, RV insurance offers financial protection for accidents, injuries and other unforeseen events. It can cover repair costs, medical bills and liability expenses if you injure someone or damage their property.

While comprehensive policies covering collision, theft and personal belongings are widely available, occasional RV users may not need such extensive coverage. Read on for information on RV insurance costs, coverage options and tips for selecting the right policy for your needs.

Table of contents

How much is rv insurance, types of rvs, what type of insurance does an rv need.

• What does RV insurance not cover?
• How to buy RV insurance

Renting out your RV

According to Progressive, an RV insurance policy for a travel trailer (an RV you tow behind your vehicle) costs an average of $573 annually. In contrast, coverage for a motorhome costs an average of $958 per year.

The following factors influence the cost of an RV insurance policy:

• The type of RV: Motorhomes are more expensive to insure than trailers (especially those with state-of-the-art components).
• Age and condition: Older trailers and motorhomes cost less to insure due to their reduced resale value.
• Type of RV insurance: A policy with just liability coverage is more affordable than a comprehensive one with collision and personal property coverage.
• Where you live: Your state and zip code affect your insurance rates. RVs in areas prone to extreme weather will be more expensive to insure.
• Driving experience and driving record: A first-time RV owner poses a higher risk than an experienced RVer. Insurers will also review your general driving record to determine an appropriate rate.
• Claims history: A lengthy claims history is a red flag to insurers. Drivers who have never filed a claim will get much better rates than those who have.
• Additional coverage: Purchasing add-ons such as roadside assistance, total loss replacement, vacation liability and full-timers coverage will increase your premium.

Recreational vehicles fall into four categories: Class A, Class B, Class C and towable RVs. The first three are motorhomes, drivable units with living quarters and appliances. Towable RVs, also called campers or trailers, may also have amenities, but some are designed to transport animals or cargo.

Here’s the rundown of the different types of RVs available:

Class A motorhomes

Class A motorhomes are the most luxurious and spacious, measuring 24 to 45 feet long and fitting as many as 12 passengers. However, their size can make driving tricky and limit their mileage to around 10 miles per gallon or less.

Class B motorhomes

Class B motorhomes, also known as “camper vans,” are the smallest (17 to 19 feet long) and least expensive type. These are standard-sized vans usually packed with a compact kitchen, bathroom and foldable or fixed bed. Their limited living space makes them suitable for four passengers or less who enjoy minimalist traveling.

Class B+ or B Plus motorhomes

Class B+ or B Plus motorhomes are the big siblings of Class B camper vans. These vehicles measure between 17 and 30 feet, fitting bigger beds and more spacious bathroom and kitchen areas.

Class C motorhomes

Class C motorhomes measure 21 to 41 feet long and are easily recognized by their over-cab sleeping or storage area. Compared to larger units, they have better gas mileage and maneuverability and are ideal for full-time living. Class C motorhomes can accommodate up to eight passengers and include a kitchen, dining area, bathroom and sleeping quarters.

Towable RVs

Towable RVs can be hitched to SUVs, pickup trucks or any capable vehicle. This category encompasses fifth wheels, toy haulers, travel trailers, and pop-up and truck campers, typically ranging from 10 to 30 feet. Other types of towable RVs include utility, cargo and horse trailers.

Since RVs can be vehicles and primary residences, insuring them requires special considerations. Some policies offer basic liability protection, while others provide broader coverage for personal effects and emergency expenses.

Keep in mind that if your RV is self-propelled, your coverage should meet your state’s minimum liability insurance requirements. This applies whether you use the vehicle occasionally or as a residence.

If your RV is towable, the insurance policy on the towing vehicle may extend to the RV. However, note that the towing vehicle’s policy usually only covers liability, not physical damage to the RV or attached accessories.

Best RV insurance features for part-time RVers

People who use their motorhomes for weekend getaways should at least have basic liability coverage that meets their state’s minimum requirements.

Other types of RV insurance for part-time RVers include:

• Property damage liability coverage: Pays for damages you cause to another person’s property or vehicle.
• Bodily injury liability coverage: Helps pay the medical expenses of those you injure in an at-fault accident.
• Collision coverage: Covers repairs to your RV after an accident with another vehicle, whether you’re at fault or not.
• Comprehensive coverage: Pays for damages caused by theft, vandalism, natural disasters, fire and other non-collision accidents.
• Uninsured/Underinsured motorist coverage: Covers the cost of repairs to your RV and your medical payments if you’re in an accident caused by a driver without insurance or insufficient coverage.
• Personal Injury Protection (PIP): Covers medical expenses for you and your passenger in the event of an accident, no matter who is at fault. It may also cover lost wages.
• Campsite/vacation liability coverage: Helps pay for legal expenses if you’re deemed responsible for injuries or losses incurred by a non-family member within your campsite or RV.
• Roadside Assistance: Offers around-the-clock repairs, towing and emergency assistance should your RV experience a flat tire, battery discharge or other malfunction.

Best RV insurance features for full-time RVers

For added peace of mind, full-time RVers should consider having a more comprehensive policy that includes some of the above-mentioned add-ons as well as any of the following:

• Personal property coverage: Covers the cost of replacing any damaged or stolen personal effects. This includes clothing, furniture, jewelry and computers, for example.
• Total loss replacement: Replaces your RV with an equal or similar model if your vehicle is stolen or totaled in an accident. The insurer may reimburse you for the original purchase price in other cases. Lenders may require this coverage if you finance your RV.
• Full-time RV liability coverage: Adds additional coverage for liability and medical expenses if you live in your RV for six months or more each year.
• Emergency expense allowance: Covers up to a specified amount of living and travel expenses like car rentals, lodging and food if your RV leaves you stranded, usually more than 100 miles away.
• Specialized coverage: Can replace appliances like awnings, satellite dishes, and solar panels and can even provide coverage for any pet injuries that happen in the vehicle.
• Loss assessment: Helps cover fees RV associations charge for damage to common areas in a campsite, for example.

What RV insurance doesn’t cover

RV insurance won’t cover the following:

• Normal wear and tear: RV insurance protects your vehicle against unexpected events, not routine maintenance or deterioration.
• Mold damage, fungi or rot: Insurers consider mold a sign of neglect and won’t cover damages unless it’s directly linked to water damage caused by a covered event.
• Certain types of water damage: RV insurance doesn’t cover water damage caused by regular wear and tear, freezing temperatures or manufacturer defects.
• Earthquake coverage: RV insurance covers most natural disasters, including floods, storms and fires, but earthquake coverage varies by insurer.

How to Buy RV Insurance

Here are some tips on how to find and purchase the right RV insurance coverage for you.

Determine the coverage you need

Your car insurance policy may extend to towable campers or trailers, but not motorhomes. And while auto insurance may cover you against liability and damages to the RV, it generally doesn’t cover belongings or appliances inside the vehicle. Homeowners insurance may also offer some coverage, but only when the RV is parked on the insured property.

Another option is umbrella insurance for your RV, which covers liability claims exceeding your primary auto, home or RV policy limits. However, coverage only kicks in if your RV is covered by an underlying policy that meets the umbrella policy’s liability requirements.

Take time to shop around for insurance quotes

RV insurance costs depend on your driving history, location, type of vehicle and usage and any optional riders you select. To get the most affordable premium for the coverage you need, compare quotes from multiple insurers. Consult an independent insurance agent if you don’t have time to shop around.

Consider bundling multiple policies

Most insurers offer multi-policy discounts, helping you save on premiums by combining your RV policy with auto, home, renters, boat or even life insurance policies . Bundling can also help you avoid the hassle of dealing with different companies when you have to file a claim.

Check for available discounts

While these may vary by company, most insurers offer rate discounts for:

• Paying the total annual policy upfront
• Making monthly payments on time
• Staying claim-free during the previous policy period
• Being the vehicle’s original owner
• Installing safety features in your RV
• Having a favorable record of insurance losses
• Staying accident-free for at least three years
• Taking safety courses
• Being a member of an RV association

Drivers aged 50 and up can snag a lower rate, as can parents or guardians who opt not to insure drivers under 25 on their policy.

Insurance when renting an RV

If you plan on renting an RV for a vacation, consider getting RV rental insurance. This type of policy usually provides liability, collision damage waiver, and coverage for personal accidents or personal effects.

You can purchase a policy through the rental company or your insurer. However, remember that your current car or RV insurance policy may already extend some rental RV coverage. Coverage may not be available in some states or for trips longer than 30 days, so call your insurer to verify before heading out.

If you rent your RV to others, it’s considered a commercial-use vehicle, and your insurance policy won’t cover the renter. The person must obtain their own rental insurance. If you’re merely lending your RV to a friend or family member, your existing coverage may extend to them, depending on your policy.

Note that some states — including Arkansas and Wisconsin — require drivers to get special licenses to drive RVs. If you live in one of these states and lend your RV to someone, that person must have the required license if you want your insurance policy to cover them.

What kind of insurance do I need to rent out my RV?

To rent out an RV, you’ll need at least liability coverage, which pays for damages or injury you may cause to other people and their property in an at-fault accident. Except New Hampshire, all states and the District of Columbia, require that vehicles, including RVs, have liability coverage.

Insurance for towable RVs is another matter. When you tow your RV behind another vehicle instead of driving it, you only have to worry about having enough coverage to protect your belongings, not additional liability insurance.

RV Insurance FAQs

What states require trailer insurance.

Trailer insurance requirements vary by state and by type of trailer. Most local governments require liability insurance, while others also require uninsured motorist coverage.

Currently, only two states don't require any type of trailer insurance. You can drive an uninsured vehicle in Virginia if you pay an uninsured motorist fee. In New Hampshire, you can drive uninsured if you prove you have enough money to cover liability expenses in an at-fault accident.

Do you need trailer insurance?

You don't need insurance for a non-motorized trailer hooked to a towing vehicle. The vehicle's insurance coverage extends to the trailer attached to it. However, this coverage is typically limited to liability.

Talk to your auto insurance provider if you want to add property damage coverage for the trailer or purchase a separate RV insurance to ensure the trailer is insured against damage.

Who has the best RV insurance?

Does rv insurance cover water damage, what is vacation liability rv insurance, how we chose the best rv insurance.

• Coverage options and discounts: We picked companies that offer a comprehensive selection of coverage options and premium discounts.
• Customer satisfaction: We favored companies with above-average scores in J.D. Power’s U.S. Auto Insurance Study.
• Financial strength: We considered the financial strength of each insurer as evidenced by their A.M. Best rating. A.M Best is a credit rating agency that assesses the creditworthiness of insurance companies.
• Complaint index: We looked up every insurer’s complaint trend report from the National Association of Insurance Commissioners (NAIC) and favored those with few complaints.

Summary of Money’s Best RV Insurance of 2024

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