Vacation Rental Damage Protection: An ‘Essential Tool’

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When accidents happen, it’s nice to know the damage could be covered.

The potential for guests to cause damage to a rental property you manage is a serious issue. A survey of vacation rental managers concluded that the most common reason for a “problem stay” was some kind of damage to the rental, according to a survey of the U.S. vacation rental market conducted by PhoCusWright* in 2012.

Fortunately, there is a simple solution that can not only provide coverage for accidental damage to the vacation property you manage, but also increase revenue to your bottom line. Vacation Rental Damage Protection from CSA Travel Protection is offered at flat-rate prices and is designed to be a more attractive option for guests than the traditional security deposit. We offer multiple levels of coverage that can accommodate varying security deposit requirements. Also, guests may feel more confident reporting damage with the knowledge that they have coverage for accidental damage.

Cheryl Catton, a rental manager with Rose Real Estate in South Carolina, recently described CSA Travel Protection as an “essential tool” for her office.

“The damage protection is a huge part of our functionality as we are a vacation rental company and, as everyone knows, accidents happen,” said Catton.

She believes that CSA’s insurance products have been helpful to her homeowners and renters, and said that it is used as a marketing selling-point by the property management company she works with.

“We had a property where a child had gotten sick on one of our bedroom floors and the mother tried to clean it with bleach. Not realizing that the bleach would leave the carpet stained, she immediately called and we went and took photos. We filed a claim, and CSA had the carpet replaced in that area. This is just one example of how effective the program is for both renters and owners,” she said.

Contact us at or (800) 989-8684 to find out how we can build a valuable and profitable travel insurance program for you and your guests.

Learn more about partnering with CSA

The Vacation Rental Damage Protection plan is an insurance product designed for guest purchase only. As an owner you may suggest this plan to your guests to help protect them from paying out of pocket for accidental damages caused to your rental or belongings during their stay.

*Data from “A Market Reinvented: The U.S. Vacation Rental Landscape” (A PhoCusWright Special Project, December 12, 2012)

This plan provides insurance that applies only during the covered trip. Your customers may have coverage from other sources that provides them with similar benefits but may be subject to different restrictions depending upon their other coverages. Customers may wish to compare the terms of this policy with their existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered by you by your travel retailers.

Plans are available to residents of the United States. Benefits and services are described on a general basis. Certain terms and conditions may apply. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. For questions or complete information on policy benefits, limits and exclusions, please contact CSA at (800) 348-9505 or for a sample Description of Coverage or Insurance Policy for this plan.

These plans are administered by CSA Travel Protection and Insurance Services. Services are provided through CSA’s designated providers. Travel Insurance is Underwritten by: Generali U.S. Branch, New York, New York; NAIC # 11231 (all states except as otherwise noted) under Policy/Certificate Form series T001. California is Underwritten by Generali Assicurazioni Generali S.P.A. (U.S. Branch), Colorado is Underwritten by Assicurazioni Generali – U.S. Branch, Oregon is Underwritten by Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice, and Virginia is Underwritten by The General Insurance Company of Trieste and Venice – U.S. Branch.