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 want to make sure your home is properly insured with the correct type of policy. 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.
If you plan to rent on websites, you need a special policy for short-term vacation rentals.
- VRBO
- AirBNB
- HomeAway
- HomeToGo
- Evolve
- Vacasa
- FlipKey
- Expedia
- Craigslist or others
- Realtor
Arizona Vacation Rental Insurance Options:
If your vacation rental property 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.
Client Testimonials & Reviews
Arizona Independent Insurance Agent – Greene Insurance Group
Why select Greene Insurance Group?
At Greene Insurance, we customize insurance to fit our clients and their needs. When you call Greene Insurance Group, you can relax knowing we’re comparing insurance rates and coverage from dozens of top-rated insurance companies.
At Greene Insurance Group, it’s our promise you will always be our top priority
Benefits of working with Greene Insurance Group:
- Choice and Flexibility: As an Independent Insurance Agent, the team at Greene Insurance Group is able to offer its clients advantages over those of other insurance agencies. Unlike many other insurance agents, Greene Insurance Group isn’t limited to a single insurance company, we represent dozens of top-rated insurance companies allowing us to better serve our clients and their needs.
- Personalized Service: At Greene Insurance, we offer a higher level of personalized service. As our client, you’ll have an Account Manager to assist with policy questions, changes, billing and claims.
- Expertise and Advocacy: With extensive knowledge of the insurance marketplace, Greene Insurance Group can demystify the intricacies of various insurance policies and coverage options. Additionally, the licensed professionals at Greene Insurance Group act as advocates for our clients, helping to navigate the claims process and ensuring our clients receive fair treatment from insurance companies.
- Local Knowledge: Greene Insurance Group is locally-owned and deeply rooted in our community. Our local presence allows our team to understand the specific risks and needs of our area, offering insights larger, impersonal insurance agencies or companies located out of state may miss. At Greene Insurance, our team answers our phones and we work in professional offices protecting your privacy.
- Ongoing Support: The relationship we develop through the years is why our clients refer friends and family to Greene Insurance Group. When purchasing insurance through a website or call center, who do you call for questions? You need a local and licensed insurance professionals to assist with your insurance and this is what you will experience at Greene Insurance Group.
We don’t work for an insurance company, We’re Independent & work for You!
We know how difficult and frustrating it can be when calling a business and unable to reach a live person or transferred from department to department. Many companies have closed their local offices, downsized their staff, and transfer their calls abroad to overseas call centers. Other companies are forcing their customers to utilize chat bots or leave voicemails and sometimes wait days for a return call. At Greene Insurance Group, we understand how frustrating it can be having no point of contact or local office to visit when you have questions. Once you select Greene Insurance Group, we’ll remain your Insurance Agent and our team will be here to assist with questions, updates, billing and claims questions. At Greene Insurance, we promise to answer your calls, return your emails and our team of professionals work in local offices utilizing secure protocols to protect our clients and their privacy. It’s our promise to always deliver first class service to our clients.
Greene Insurance Group serves the following Arizona communities:
Phoenix, Scottsdale, Paradise Valley, Fountain Hills, Cave Creek, Carefree, Anthem, Chandler, Gilbert, Mesa, Queen Creek, San Tan Valley, Tucson, Catalina Foothills, Marana, Oro Valley, Ahwatukee Foothills, Goodyear, Verrado, Litchfield Park, Surprise, Sun City, Sun City West, Sun City Festival, Sun City Grand, Glendale, Peoria, Prescott, Prescott Valley, Flagstaff, Sedona and surrounding areas.
