Short-term rental insurance built for how STRs actually work

Bed bug remediation for a vacation rental typically costs $1,500–$4,000 per treatment, plus multiple treatments and inspection fees. Lost bookings during the treatment period add to the total loss. Standard property policies exclude pest damage. VIFO covers both the remediation and the lost income — the exposure that kept most STR owners up at night before this program existed.

Standard homeowner policies routinely exclude commercial rental activity — which is how courts and insurers classify short-term rentals. A bodily injury claim from a paying guest may be denied outright by your homeowner policy. Commercial general liability coverage is what responds when a guest is injured at your property.

Property Manager E&O covers claims from property owners alleging negligent management — disclosure failures, booking errors, maintenance oversights, and disputes over revenue reporting. This is the exposure that separates property management companies from individual hosts, and it's a coverage most property managers don't have until after a claim is filed.