Short-Term Rental Insurance

Complete Coverage You Can Customize.

From guest caused damage to bodily injury liability for property managers and homeowners, CoverCat's short-term rental insurance lets you choose the best coverage for the unique needs of the different properties and homeowners in your portfolio.

Get covered so you're prepared if and when something goes wrong.
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CoverCat Protects You
Protect your homeowners, your guests and your business

Being a property manager exposes you to the risk of being liable for the cost of damages and repairs.

Claims for guest-caused damage are considered commercial claims and are likely not covered under your clients' homeowners policies. It's also unlikely your clients' homeowners policy provides liability protection for either of you if a guest is injured. 
The CoverCat Protection Policy covers you & your homeowners for guest-caused damage and liability for guest injury.

commercial insurance

Built to provide the appropriate coverage at the right time, CoverCat offers commercial insurance for vacation rentals that is uniquely created for the short-term rental business and ensures that your homeowners, your guests and your business are protected with no guest involvement for claims that do not involve guest injury.
CoverCat saves you time and money and helps preserve your valuable reputation.

Getting started with CoverCat

Three simple steps to coverage

With a commercial insurance policy from CoverCat, you're covered for on-site guest caused damage and injuries, structural property and contents damage, and property manager and homeowner liability for guest bodily injury. 

Getting started is easy!

2.

Update the guest-paid fees for your listings

3.

Use your property management system to activage the coverage when your guest arrives by connecting with CoverCat.

What do you get with CoverCat's short-term rental insurance?

guest-caused structural property damage and guest bodily injury liability

Up to €1,000,000 in coverage for
structural property damage caused by a guest and guest bodily injury liability

property contents and belongings

Up to €25,000 for
property contents and belongings

Automated guest verification

Automated guest verification so you and your homeowners know who is sleeping in your rentals

eliminating the costs and hassles of damage deposits

Improved operational efficiency by eliminating the costs and hassles of damage deposits

eliminating guest friction leading to repeat guests and more bookings

Better ratings by eliminating guest friction leading to repeat guests and more bookings

Quick and simple claims process

A fast and straightforward
process for claims 

With CoverCat, Homeowners Trust You

Absolute comfort that rental risks are covered with the ability to add optional coverage for recreational equipment, squatters and community fines

CoverCat's satisfied customers speak for themselves

I always receive top notch service from everyone. I always get the answers I need in a timely manner

 
Stacy M. - Florida
750 Properties

Your claim process was as simple and as user friendly as was promised. Thanks for making the process simple and for not making it confrontational with our guests.

 
Craig G. - USA (Utah)
11 Properties

I’ve been delighted thus far and have even recommended you to other PM’s in my market. I’m pleased to tell you that I’m a happy customer.

 
Scott S. - California
48 Properties

They’re all kind, approachable if I have a problem I can always talk to a real person. And, everyone in their different departments can help me whether it’s financing, claims, or just questions.

 
Raina P. - Montana
17 Properties

Great company. Easy to reach help when you need it. The claims process if fair and reasonable, and communications are great.

 
Laurie V. - USA (North Carolina)
35 Properties

Very easy to work with! Fast decisions…so much better than relying on AirCover!

 
Rob S. - Missouri
20 Properties

The claims process is insanely simple to go through, especially compared to other industry companies in vacation rentals. It’s also a really, really powerful thing when you can make a claim on something that isn’t necessarily accidental.

 
Natilee R. - California
45 Properties

So far I’m finding this very beneficial using your services and not having hundreds of emails going back and forth with Airbnb so they can fight us not to pay. Appreciate your support!

 
Danial N. - Tennessee
15 Properties

We had certainly never anticipated this level of damage from one of our guests and can’t imagine navigating this without this team behind us. Thank you all for your protection and your support! I appreciate you!

 
Solange J. - Georgia
17 Properties

Do you want to know more?
Take advantage of our free resources!

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Quick & Simple Claims Process

If you or a traveling companion suffers an injury or sickness that requires treatment by a physician, some or all of the medical expenses could be covered with this benefit. Here are some common covered expenses you might see on your policy:

1. Services of a physician or registered nurse (R.N.).

2. Hospital charges.

3. Hospital ancillary services (including, but not limited to, use of the operating room or emergency room).

4. Use of an Ambulatory Medical Center.

5. X-rays.

6. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices.

7. Rental of durable medical equipment (such as a wheelchair or a hospital bed).

8. Anesthetics (including administration), treatments, transfusions and laboratory tests ordered by the attending physician.

9. Medicines or drugs administered by a physician or that can be obtained only with a Physician’s written prescription.

10. The cost of emergency dental treatment only during a trip limited to the maximum limit shown in the schedule of benefits.

Complimentary Guest Screening

If you or a traveling companion suffers an injury or sickness that requires treatment by a physician, some or all of the medical expenses could be covered with this benefit. Here are some common covered expenses you might see on your policy:

1. Services of a physician or registered nurse (R.N.).

2. Hospital charges.

3. Hospital ancillary services (including, but not limited to, use of the operating room or emergency room).

4. Use of an Ambulatory Medical Center.

5. X-rays.

6. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices.

7. Rental of durable medical equipment (such as a wheelchair or a hospital bed).

8. Anesthetics (including administration), treatments, transfusions and laboratory tests ordered by the attending physician.

9. Medicines or drugs administered by a physician or that can be obtained only with a Physician’s written prescription.

10. The cost of emergency dental treatment only during a trip limited to the maximum limit shown in the schedule of benefits.

Up to $1,000,000 for structural property damage & bodily harm

If you or a traveling companion suffers an injury or sickness that requires treatment by a physician, some or all of the medical expenses could be covered with this benefit. Here are some common covered expenses you might see on your policy:

1. Services of a physician or registered nurse (R.N.).

2. Hospital charges.

3. Hospital ancillary services (including, but not limited to, use of the operating room or emergency room).

4. Use of an Ambulatory Medical Center.

5. X-rays.

6. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices.

7. Rental of durable medical equipment (such as a wheelchair or a hospital bed).

8. Anesthetics (including administration), treatments, transfusions and laboratory tests ordered by the attending physician.

9. Medicines or drugs administered by a physician or that can be obtained only with a Physician’s written prescription.

10. The cost of emergency dental treatment only during a trip limited to the maximum limit shown in the schedule of benefits.

Up to $10,000 for property contents and belongings

If you or a traveling companion suffers an injury or sickness that requires treatment by a physician, some or all of the medical expenses could be covered with this benefit. Here are some common covered expenses you might see on your policy:

1. Services of a physician or registered nurse (R.N.).

2. Hospital charges.

3. Hospital ancillary services (including, but not limited to, use of the operating room or emergency room).

4. Use of an Ambulatory Medical Center.

5. X-rays.

6. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices.

7. Rental of durable medical equipment (such as a wheelchair or a hospital bed).

8. Anesthetics (including administration), treatments, transfusions and laboratory tests ordered by the attending physician.

9. Medicines or drugs administered by a physician or that can be obtained only with a Physician’s written prescription.

10. The cost of emergency dental treatment only during a trip limited to the maximum limit shown in the schedule of benefits.