While Vrbo Insurance resembles Airbnb Insurance, there are several distinctions to keep in mind. The $1 million dollars in coverage might secure you if you are sued by a visitor for an accident or injury that takes place throughout their stay. It might also cover you if the guest does unintended damage to a third party's property such as a next-door neighbor. It does not, however, cover intentional damage brought on by a visitor to your property.
Vrbo even has additional exclusions that are subject to review, which makes getting paid for the insurance claim much more complicated. It is primarily geared towards scenarios where a visitor is injured on the property. A good example is a case when a visitor falls down the stairs or slips in the tub and breaks an arm or leg. It may cover the guest's medical bills and may even shield the host from liability of being sued. It also applies to a scenario where a guest leaves the water on in the bathroom sink and the flooding causes damage to a next-door neighbors' property.
