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Rental Home Insurance for Owners and Guests

As travelers look to stretch their dollars further, vacation rental properties continue to grow in popularity. Savvy travelers know that renting a house or cottage often costs less than renting a hotel room, and many find them cozier and more convenient, too.

But rental homes and second homes may require different insurance coverage than owner-occupied homes, even if you're an "accidental landlord"—a landlord who suddenly ended up with a second property by marriage, inheritance, or just plain luck. Travelers who are staying in a vacation rental property may have unique concerns, too.

Vacation Rental Insurance for Owners: Which Policy is Right for Your Property?

The first thing to understand is that your standard homeowners policy may not extend to a home or apartment you consistently rent out. Many homeowner's policies specifically exclude properties that are used solely as rentals.

You'll also want to think about how often you'll be renting out your property. If you plan to rent your property permanently, then you're looking for Landlord Property Insurance. If you plan on renting your property, please contact your local Allstate agent to find the coverage that is best for you.

Why Landlord Property Insurance?

Landlord Property Insurance protects against events that a homeowner's policy typically won't cover. For instance, liability protection is important for second-home owners who plan on renting to guests. As a landlord, you're at risk of lawsuits and claims of injury and property damage occurring on your property. And if your vacation rental property is furnished, you can individualize your policy with personal property coverage.

Protect Your Investment—and Your Wallet

Landlords know better than anyone how many events can damage a rental unit—everything from fire, wind and hail to damage from a vehicle or water damage caused by a fire protection system. If your property becomes uninhabitable, you may miss out on rental income for months at a time, an income loss that can be devastating. But Allstate's Fair Rental Income protection covers lost rental income—all the way up to a year—if your property becomes uninhabitable due to certain covered losses.

If you already have insurance with Allstate, you may also qualify for a Multiple Policy Discount. Because each vacation rental property has unique needs and circumstances, talk to an Allstate agent for expert advice on designing the best policy for you.

Vacation Home Guests: Know Before You Go

If you're renting a vacation property, you might be unclear on what policies cover you and your stuff for the duration of your stay. If you have homeowner's insurance with Personal Property Coverage or a renter's insurance policy with Allstate—your personal property is covered from theft or damage anywhere in the world.

Still, it's a smart move to ask the property owners where you'll be staying for proof of insurance. It will give you peace of mind to know that you'll be covered in case of an accident on the owner's property.

And keep in mind that if you do have an accident at your vacation rental home, the owner may have liability insurance that will cover your medical expenses. If you're concerned that your medical insurance might not cover all of your expenses—like deductibles—you may want to look into Supplemental Health Insurance.

Protect Your Home—or Your Home Away from Home

At Allstate, we offer Landlord Property Insurance and secondary residence policies designed to fit your unique property.

For more information, call us at 1-800-ALLSTATE (1-800-255-7828), or find an agent near you to see how Allstate Landlord Property Insurance can help.

Published: September 2011

The availability, qualifications and amounts of these coverages and discounts may vary from state to state. In addition, other terms, conditions and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. In some states, we may offer coverages and discounts that are not listed here. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your Allstate agent.

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