Covers your vacation rental property for damage caused by guests — fire, water damage, vandalism, and other covered perils. VRBO's $1M property damage protection has significant conditions and exclusions that a dedicated policy fills.

Covers you if a guest is injured at your VRBO property and sues you. VRBO's liability protection has conditions and exclusions. A dedicated short-term rental policy provides comprehensive, unconditional liability coverage.

Covers lost rental income if your property is damaged and unavailable for rental. This is a critical coverage gap in standard homeowners policies and VRBO's protection program — a dedicated policy protects your rental income stream.

Covers furnishings, appliances, and personal belongings from guest damage or theft. VRBO's coverage has limits and exclusions — a dedicated short-term rental policy provides more comprehensive personal property protection.

Oregon VRBO properties in wildfire-risk areas need comprehensive wildfire coverage. Ensure your policy covers wildfire without exclusions and that your dwelling limit accounts for post-fire rebuilding cost surges.

For high-value VRBO properties or those with pools, hot tubs, or other amenities, umbrella policies provide additional liability protection beyond your primary policy limits.