California Vacation Rental Insurance

1. Simplicity

We believe purchasing short term vacation rental insurance in California should be as simple and straightforward as possible. We understand the unique needs and concerns of California short term rental property owners and have tailored our process to be as user friendly and hassle free as possible.

Whether you’re signing up for an STR policy for the first time or filing a claim, InsuraGuest makes the process easy and fast.

Unlike other California insurance companies offering a broad range of policies spread across multiple industries, like home, commercial, and health insurance, InsuraGuest specializes solely in providing the best vacation rental insurance in California.

Signup is quick and easy and STR coverage is instant. In the event of a claim, payouts are typically handled within 72 hours, without making you jump through a ton of hoops.

InsuraGuest strives to provide the simplest, most streamlined vacation rental insurance experience for California short term vacation property owners and their guests. So you can focus on enjoying your time with the peace of mind that comes from knowing your vacation property is protected.

2. Lower Costs

At InsuraGuest, we're committed to helping vacation rental property owners in California save big on their short term rental policies.

While many short term rental insurance companies promise they will save you money, we actually deliver on that promise, even after the ink has dried. How? By helping you share insurance costs with guests.

The process works like this: Using your favorite property management system or your listing service, we help create and automate a small nightly insurance fee of a few dollars for each guest reservation.

Our data shows guests would much rather pay a few dollars for insurance protection than pay for a traditional security deposit, which only benefits vacation property owners, not the guests.

But with InsuraGuest, both parties are covered, resulting in a better guest experience, more positive reviews, and more bookings for your California short term rental property.

Here’s an example of how it works: Suppose your vacation rental property in California has an occupancy rate of around 70% to 80%, or roughly 21 days per month. By adding an InsuraGuest fee of just $3 per night, you would add about $63 to your bottom line each month (21 days x $3 = $63/mo).

Using these averages, if you were to opt for our $60 per month subscription model (with up to $10,000 in coverage), your monthly insurance costs would essentially be net $0. 

$10,000 of coverage for you and your guests for $0/mo? Yep, you read that right. Want to see how it works?  Get a demo

3. Guest Injury Protection

From our experience, short term vacation rental property owners in California are mostly concerned about potential lawsuits from guest injuries—and for good reason. Even with the best precautions in place, accidents can still happen.

Thankfully, InsuraGuest helps you protect yourself, your vacation property, and your guests, with vacation rental liability insurance, or more specifically, short term rental insurance for California vacation rental properties.

If held liable, a guest getting injured during their stay can mean major trouble for your short term vacation rental business. But with guest injury insurance for your vacation rental property, you're covered against expensive medical bills.

Even if the injury wasn't your fault, guests can still sue you, and legal fees can add up quickly. With InsuraGuest, you don't have to worry about being held liable, because we cover up to $25,000 in guest injury medical bills, no matter who’s at fault.

Another factor to consider is that filing a claim against your homeowner's insurance policy usually increases your premiums later on. Not with InsuraGuest, in fact, for less than a cup of coffee a day, you can avoid this risk and protect yourself and your guests with California's best short term rental insurance provider.

4. Property Damage Protection

Second to guests getting injured during their stay is the concern of having your California short term vacation property damaged by guests.

Remember, when renting out your short term vacation property on platforms like AirBnB, VRBO, and other listing sites, you're entrusting your space to strangers who may not treat it with the same care as you would. 

California vacation rental property owners must be prepared for the risk of accidental property damage by guests.

That's why having short term rental insurance in California is crucial for protecting against unexpected damages. 

Be it broken tiles or windows, carpet stains, or damaged sofas, we’ve covered it all. With a California STR policy from InsuraGuest, you can rest easy knowing your property and its contents are protected.

Let us handle the details so you can focus on creating a positive guest experience and getting more great reviews.

5. Theft Coverage

Theft coverage is another must-have for short term vacation property owners in California.

Thankfully, by opting for California STR insurance from InsuraGuest, vacation property owners are protected against potential financial losses caused by guests stealing items from your vacation rental property.

What’s more, having theft insurance for your vacation rental property also protects guests who may claim to have had an expensive camera or laptop stolen during their stay. Just file a claim and let us handle the rest.

This makes theft coverage a massive selling point for potential STR renters, showing that you prioritize their safety and security.

In some cases, a standard homeowner’s insurance policy may lack sufficient coverage for personal property claims, leaving you vulnerable to property theft. Instead of worrying about possible out-of-pocket expenses, get the best vacation rental insurance with theft coverage in California, with InsuraGuest.