$1M Liability Insurance provides owners and property managers with liability protection for all bookings processed online through Vrbo checkout; giving you $1,000,000 in primary liability coverage no matter what policy you currently have — 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 - We 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

Up to $1 million in coverage - Eligible claims handled under this program are subject to a maximum limit of $1 million USD in coverage per property, per year.

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.

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 booking processed through our checkout, no matter where in the world your property is located. Reservations processed through our site's checkout are automatically protected, there’s nothing more you need to do!

If you have further questions about coverage and claims, please view the policy summary.