$1M Liability Insurance

Keeping you ready for the unexpected

$1M Liability Insurance provides owners and property managers with liability protection for all stays processed online through the Vrbo checkout; giving you $1,000,000 in primary liability coverage — at no additional cost to you.

This means that if you don’t already have a liability policy, this policy responds first if someone makes a claim against you. If you already have a liability policy for your vacation rental, then consider this to be coverage additional to what you have. It will respond at the same time as your current policy and both policies will contribute if a claim is made against you.

How you're protected

Traveler injury claims made against you

If a traveler is accidentally injured while staying in your rental property, this program may provide coverage for claims made against you.

Property damage claims made against you

If a traveler accidentally damages the property of a third party (such as a neighbor) while staying in your rental property that third party may sue you for that damage, this program may provide coverage for these types of claims.

Looking ahead

Vrbo will continue to look at options to further protect owners against the unexpected challenges involved with managing a vacation rental. Please note, $1M Liability Insurance does not cover damage caused by a traveler to your own property.

How it works

Primary coverage for eligible claims

If you don’t have liability insurance for your rental, this program provides that protection. If you do have liability insurance for your rental, this program works with your current provider and gives you $1,000,000 in added protection for all reservations processed online through Vrbo checkout. If you haven’t already, enable online booking to get Liability Insurance at no extra cost.

Liability protection for vacation rentals

Typical homeowners policies may not provide liability protection when your property is used as a vacation rental. This program can provide that necessary coverage for when you are held liable for an accident during a stay at your property (Subject to certain conditions, limitations, and exclusions - Policy Summary).

Global reach

This program provides protection for every reservation processed through Vrbo checkout, no matter where in the world your property is located. Reservations processed through Vrbo checkout are automatically protected, there’s nothing more you need to do!

Frequently asked questions

What are some examples of what this program might cover?

Example 1: A traveler is staying in your property and trips, falls down the stairs and breaks their leg. That traveler sues you for their medical bills and other costs. You would file a claim with the $1M Liability Insurance provider, Generali Global Assistance, and the policy would respond to cover the costs of that claim for up to $1 million dollars per property, per policy year.

Example 2: A traveler is staying in your vacation rental and leaves a bathtub running while they cook dinner. The bathtub overflows and starts to flood the unit below your vacation rental unit. The owner of the unit below you sues you for the cost of the damage to their property. You could file a claim with the $1M Liability Insurance provider, Generali Global Assistance, and this policy would respond to cover the costs of that claim for up to $1 million dollars per property, per year.

For more information on what is covered by this policy, visit the Policy Summary.

Why is Vrbo doing this?

We aim to help take some of the stress out of renting your home on the Vrbo family of sites. Most Vrbo stays are successful and positive, but on those rare occasions when an accident happens, we want to help our partners to be prepared. Homeowner policies often don't cover accidents during rental periods. Even if your policy offers some type of coverage against accidents, we want you to have extra protection for liability claims that result from accidents that occur during a stay.

How does it all work?

This program automatically provides coverage when a reservation is processed online through Vrbo checkout. This coverage is included at no additional cost to you. Any incidents that occur in a property booked and paid for outside of Vrbo checkout are not covered.

This program applies to all stayed nights that occur on or after May 8, 2017, regardless of check-in or checkout date, provided that the property has been booked and paid for through Vrbo checkout. For more information on the specifics of what is covered, see the Policy Summary.

Claims made against an owner or property manager will be administered by the insurance provider in accordance with the Policy Summary.

This program is serviced by Generali Global Assistance & Insurance Services. Vrbo is the policy holder and, as defined under the program terms, Vrbo owners and property managers are the insured parties. Generali Global Assistance & Insurance Services is part of the Europ Assistance (EA) Group, a global leader in the assistance industry.

What do I need to do to make sure my reservations are eligible?

If a reservation is processed online through Vrbo checkout, coverage is automatically provided under the terms of this program for the term of the rental period. If a booking is processed or paid for outside of Vrbo checkout, the program does not provide coverage.

How long does it take for a claim to be resolved. How do I check the status of a claim?

Many factors — including complexity, details of the claim, and associated damages — can affect how long it takes to resolve a claim. To help expedite your claim, try to have all related documentation and statements available before you call. If you have questions about the status of your claim or its status, you can contact your dedicated Generali Global Assistance claims representative.

How does this program work with my homeowner's policy?

As part of listing on Vrbo, you are required to have sufficient insurance coverage. For more information, please review the Terms and Conditions. This liability policy works alongside your existing policy to provide coverage in case a liability claim is made against you. If you have questions about the specific terms of your homeowner’s policy, we recommend speaking to your personal insurance agent. Note you may be required to pay a deductible of 25% if your insurance coverage does not contribute.

What if I don't want to use the program?

You are not obligated to use the program. However, any reservations processed online through Vrbo checkout will be automatically covered at no additional cost to you.

Is this going to make my fees go up?

No, your fees will not go up because of this program.

What if I have a booking that was made months ago for a stay date after May 8, is that covered?

Yes, as long as the reservation was processed online through Vrbo checkout, the program provides coverage for all stayed nights on or after May 8, 2017.

My property is in a different country than the one in which I reside, will it be covered under the terms of this policy?

$1M Liability Insurance is global in scope. No matter where in the world your property is, if a reservation is processed online through the Vrbo checkout, that stay is protected by this policy.

What is the difference between $1M Liability Insurance and Proper Insurance?

Vrbo’s $1M Liability Insurance program applies to liability claims only (traveler injury or damage to someone else’s property) and is provided at no additional cost to you. Furthermore, the $1M Liability Insurance program only applies when the reservation is processed online through Vrbo checkout.

Vrbo has recognized and endorsed Proper Insurance as our preferred comprehensive home insurance vendor in the U.S. Specially designed in conjunction with Lloyd’s of London for the vacation rental industry, the Proper policy is annual commercial homeowners insurance, and entirely replaces your existing homeowners or landlord insurance policy.

Proper Insurance provides coverage for all stays within your vacation rental property, regardless of the source of the booking or how the reservation was processed. It covers damage from renters, damage from natural disasters, loss of income, and liability. For a quote, Find out more.

What if I have more questions?

Visit our help portal.

More FAQs

File a claim

Talk to someone when you need it most. Representatives from

the administrator behind this program, are available 24/7. If you have a claim, report it as soon as possible. You should have as much information on hand about the incident when you call, including things like:

Full details of the incident

Any related documentation

Names of parties injured or claiming damage

File a claim