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Home > Blog > Don’t Rent Out Your Home This Without The Right Insurance
TUESDAY, MARCH 29, 2022

Don’t Rent Out Your Home This Without The Right Insurance

Vacation Home and Income Property Insurance

More and more people are using services like VRBO and Airbnb to find vacation rentals.  As a result, many people are using their homes to develop rental income.  A standard homeowner’s policy may not cover losses incurred while your home is rented out.  You may require a more specialized insurance policy.

Key Homeowner’s Insurance Concerns With Rental Property

·         Your homeowner’s insurance will not cover rental property.

·         Landlord policies generally cost about 25 percent more than a standard homeowner’s policy to pay for increased protections. 

·         You need landlord insurance when you do not occupy the same residence as your tenant. You will also need landlord insurance if you are renting out your own home temporarily, or sharing accommodations such as your basement level, with a renter.

·         You will need liability coverage in the event your renter is injured on your premises.

·         Your policy will not cover wear and tear due to increased use.

·         VRBO, Airbnb and other rental sites may require proof of insurance.

There are only a few insurance carriers willing to write an Airbnb liability insurance policy.  We have experience with insurers who handle this kind of risk.

These are just a few of the personal insurance issues that can create real problems for you. Call our office for a free review. Please contact us or give us a call to learn more.  You can also request a quote if you’re ready to start on a policy.  Valley oaks Insurance Agency is proud to provide insurance in Roseville, Sacramento, Lincoln, Granite Bay, Rancho Cordova, and Folsom, CA.  We also serve other areas in the state.

The information shared in this blog is provided and written on an opinion basis and for informational purposes, they do solely represent the opinions of Valley Oaks Insurance.

Posted 7:43 PM

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