Shopping for Vacation Rental Property Insurance in Arizona?
Insuring Vacation Rental Properties throughout Arizona
What is defined as a Vacation Rental Property or Short-Term Rental Property in Arizona?
Most insurance companies define a Vacation Rental Property as one you own and may on occasion use or rent to others on a daily, weekly or monthly basis and not on an annual lease. We insure Vacation Rental Properties such as single family homes, condos, townhomes, and cabins.
You could have a claim denied without the right insurance for your Vacation Rental Property
You’ll want to make sure you have the correct type of property insurance for your AirBNB, VRBO or other short-term rental property in Arizona. If you don’t purchase the right type of insurance, you may NOT be properly protected in case of a claim. Most home or landlord insurance policies don’t protect your property in the event of a claim when the property is rented for the short term (daily, weekly, monthly or less than one year). Most homeowners policies exclude coverage if you’re renting your home for use as a Vacation Rental Property, and many insurance companies won’t insure these kinds of homes in their landlord programs.
Do you rent your Property on a Daily, Weekly or Monthly basis?
If Yes, you will need a specially designed property insurance policy for short-term rental properties.
A standard home insurance policy or landlord insurance will NOT provide coverage for use as a short-term rental or vacation rental property.
For example, if you plan or will rent the property as a short-term rental (daily, weekly, monthly or for less than an annual lease), you will want a vacation rental property insurance policy or short-term rental property insurance policy. If you plan to rent out on an annual basis, you will want a landlord insurance policy.
* It is important to let your Insurance Agent know this information before they quote or bind your insurance. Purchasing the wrong type of insurance, will likely result in denial of a claim.
If you plan to rent on websites, you need a special policy for short-term vacation rentals.
- VRBO
- AirBNB
- HomeAway
- HomeToGo
- Evolve
- Vacasa
- FlipKey
- Expedia
- Craigslist or others
- Realtor
Arizona Vacation Rental Property Insurance Options:
If your vacation rental property in Arizona is insured incorrectly with a standard home insurance policy and you rent it out on a short-term basis or as a vacation rental home, you will likely have difficulty if you have a claim.
Policy Features:
Insurance isn’t a one-size-fits-all situation. We have options to help you customize your policy to include coverage you believe are right for your situation.
You can add coverages such as:
- Loss of Rents – applies to the loss of actual rents if the dwelling is temporarily uninhabitable due to a covered loss.
- Personal Property – these are the things you may have in the home, such as furniture, decorations, appliances, etc.
- Liability Insurance – If a claim is made against you or a lawsuit is brought against you for damages due to bodily injury or property damage caused by an accident on the insured premises.
- Be sure to ask our licensed agent for additional coverage options.
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At Greene Insurance Group, our family has been dedicated to safeguarding families and businesses with comprehensive insurance solutions for over 63 years. As an local and family-owned Arizona Independent Insurance Agent, we offer insurance from top-rated insurance companies. Save time and the hassles of shopping for insurance and know our team is here to assist you with all your insurance needs. Our Licensed Insurance Agents will review your present insurance coverage and suggest the best protection at the most competitive prices. Let Greene Insurance Group provide you with the peace of mind you deserve, knowing that your personal and business insurance needs are protected by trusted and licensed insurance professionals.
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At Greene Insurance Group, we promise a personalized and best-in-class customer experience. We live and work here in Arizona and we’re ready to provide the best in personalized service. Our Licensed Arizona Insurance Agents work in our local offices, not from home, ensuring your privacy and personal information are protected. It’s a commitment we stand by: We’ll answer your calls and return your emails – because that’s the way it should be. You can always depend on the professionals at Greene Insurance Group.
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At Greene Insurance Group, we customize insurance to fit our clients and their individual needs. As an Trusted Choice Insurance Agent in Arizona, you can relax knowing the Insurance Professionals at Greene Insurance Group are exploring insurance coverage and rates from the dozens of top-rated insurance companies.
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