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.
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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As an locally-owned Arizona Insurance Agency, our family has been dedicated to safeguarding families and businesses with comprehensive insurance solutions for over 63 years. As a family-owned Independent Insurance Agent in Arizona, we offer insurance from dozens of top-rated insurance companies. Save time and hassles of shopping for insurance and know our team is here to assist you with all your insurance needs. Our Licensed Agents will review your present insurance coverage and suggest the best protection at competitive prices. Greene Insurance Group will provide you with the peace of mind you deserve, knowing that your personal or business insurance needs are protected by trusted and licensed insurance professionals.
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At Greene Insurance, We provide best in class service to our clients. As a locally-owned Arizona Insurance Agency, we provide personalized service you won’t find with big call centers abroad or online-only providers. We know how difficult and frustrating it can be to when your unable to reach a live person or transferred from department to department when calling large companies. Many companies are now forcing their customers to use chat bots or AI systems oftentimes leaving people frustrated with no answers, no point of contact and no local office to visit.
Once you select Greene Insurance as your Independent Insurance Agent in Arizona, we’ll be your local agency, point of contact and will be here to assist with any questions, policy updates or changes or claims related questions.
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As an Arizona Independent Insurance Agency, Greene Insurance customizes insurance coverage to fit our clients and their needs. As an Independent Insurance Agent in Arizona, you can relax knowing the Insurance Professionals at Greene Insurance Group are exploring personal insurance and business insurance coverage and rates from over a dozen top-rated insurance companies. As a Independent Insurance Agent in AZ, it’s our promise you as our client will always be our top priority.
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