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Renting a vacation property has become very popular as of late but can be an expensive undertaking. Most people have a limited vacation budget and need to save money where they can. One of the areas people cut back on is trip insurance. However, protecting your vacation rental investment is an important part of the planning phase and should not be skipped. Following is a short explanation about why trip insurance is important, what it covers, and why you should compare policies when traveling and if renting a vacation home.

Why Trip Protection is Important

Many elements of a great vacation involve pre-paid costs that are non-refundable. While some items just require a deposit, many aspects need to be paid in full before the trip, such as the cost of the property you are renting. This is a substantial outlay of money well in advance of the actual trip itself. Most vacation rental booking websites will require that you pay upfront for the entire booking when renting a vacation home.

When issues come up that force you to cancel or alter your vacation after your money has been spent, trip insurance can cover the costs. Illness or injury, work related issues, weather concerns and more can all cause you to cancel or change your plans before you leave. These same issues can arise after you reach your destination and force you to cut your trip short, costing an additional outlay of money to get home. Travel insurance with trip cancellation and interruption coverage can protect your investment for these types of things that are out of your control.

What Travel Insurance Covers

The basics of most policies include trip cancellation or interruption, emergency medical and dental services, medical transportation, lost or damaged luggage, and other transportation delays. Certain policies will also include hotel and vacation rental coverage if the hotel or rental home is uninhabitable due to a fire or natural disaster or other reasons. It’s important to check the policy carefully to see what is covered.

Why You Should Compare Insurance Coverage

Policies should be tailored to your individual needs and the trip itself. It is important to research different trip protection policies, not only to compare costs but also to compare coverage. Don’t pay for add-ons that you won’t need, such as hurricane coverage for your Utah skiing vacation. At the same time, you don’t want unpleasant surprises when you try to activate your policy and find out what you need isn’t covered.

There are differences in primary vs secondary policies. There are different exclusions and limitations. Understand what the homeowner’s policy covers, what your personal homeowner’s policy covers, and what you need for travel insurance when renting a vacation home.

Generally, the single trip protection plan offered to you by a VRBO or vacation rental booking website won’t be the best coverage for the money. Just as you compare your vacation rentals, you should also compare your travel insurance coverage to make sure you are getting the right coverage for your money.

Summary

It is important to understand the purpose of trip protection, and what it is and is not designed to do. If you are looking for ways to save on your vacation, compare travel insurance policies but do not skip trip protection altogether.

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