vrbo travel insurance reviews

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How Does VRBO Trip Insurance Work?

Last Updated: May 3, 2024 May 3, 2024 — 2 min read

VRBO trip insurance is very much like travel insurance you might buy from any other provider. It provides financial protection in the event your trip is disrupted by delays, cancellations, interruptions, or medical emergencies. 

Travelers can either buy VRBO’s coverage when they book a vacation rental on the company’s website or add it to their trip later on. 

What Coverage Is Available Through VRBO Trip Insurance?

VRBO offers two main types of coverage : Travel Protection and Damage Protection. You can buy one or the other or both, depending on your situation.

Travel Protection covers:

• Cancellations : VRBO’s trip insurance covers up to 100% of your insured travel costs if you need to cancel your vacation because of a covered event.
• Interruptions : If your trip is interrupted by an unforeseen event, like a serious illness, VRBO’s policy also covers up to 100% of your insured costs.
• Delays : VRBO’s Trip Protection covers $150 per day for reasonable expenses if your travel is delayed by a covered reason.

Their Travel Protection plan also provides services that can help you during your vacation if you experience a medical emergency, need to speak to a doctor via telemedicine, or have your identity stolen.

VRBO’s Damage Protection Plan , on the other hand, covers up to $1,500 in repair costs if you damage either the real property (i.e., the land and anything permanently attached to it) or the personal property (i.e., pretty much anything else) associated with the vacation rental you booked.

What Doesn’t VRBO Cover?

LIke any insurance policy, VRBO’s Travel Protection and Damage Protection plans have coverage limits and exclusions. 

VRBO’s Travel Protection plan won’t cover: 

• Cancellations that happen for an uncovered reason
• Delays less than 12 hours
• Any damaged, stolen, or lost luggage

Damage Protection won’t pay cover damage that is caused by: 

• Bad weather or a natural disaster
• Intentional or negligent acts
• Normal wear and tear
• Any action that is a violation of the lease agreement
• Someone other than you or your traveling companions

Does VRBO Offer Trip Cancellation Insurance?

Yes, VRBO’s Travel Protection plan includes Trip Cancellation coverage as part of its coverage.  This coverage allows you to be reimbursed for prepaid, nonrefundable travel costs if you have to cancel your vacation for a covered event.

Some examples of covered events for VRBO cancellation insurance may include:

• An illness for you or a travel companion
• A natural disaster causes a mandatory evacuation.
• A strike causes your transportation to be canceled.
• You, your spouse, your travel companion, or your travel companion’s spouse is called up to active military duty.

Events usually have to occur before your trip and while the policy is in effect before they trigger coverage.

Is VRBO Rental Insurance Worth It?

VRBO insurance has much to recommend it. For one, it’s provided by CNA and underwritten by Generali , both of which are well-known and financially stable insurance companies.The coverage is also easy to get when you’re booking your rental.

But the best way to know if VRBO trip insurance is right for you is to compare it to other options. That way you can look at the policy details and decide if the coverage provides your vacation with the appropriate amount of protection.

By Virginia Hamill

Vrbo Travel Insurance Reviews

Are you planning your next vacation and looking for a reliable travel insurance provider? Look no further than Vrbo Travel Insurance! This comprehensive insurance plan offers peace of mind to travelers by protecting them from unexpected cancellations, delays, and medical emergencies.

In this blog post, we will review the features of Vrbo Travel Insurance, its pros and cons, pricing options, frequently asked questions, and how to file a claim. Keep reading to learn more about why Vrbo Travel Insurance might be the perfect option for your next trip!

What is Vrbo Travel Insurance?

Vrbo Travel Insurance is a comprehensive insurance option offered by Vrbo to protect travelers from unexpected cancellations, delays, and medical emergencies. This insurance plan covers trip cancellation due to covered reasons such as illness or death of the insured traveler or their family members. Additionally, it includes trip interruption coverage in case of any unforeseen events during your travels that cause you to cut your trip short. The policy also offers emergency medical and dental coverage up to a certain limit while traveling outside your home country. Moreover, the plan provides 24/7 worldwide travel assistance services including medical evacuation and repatriation. It is important to note that Vrbo Travel Insurance must be purchased within 20 days of making the first payment or deposit for your travel arrangements. The policy document outlines all covered events and exclusions in detail. Vrbo Travel Insurance offers peace of mind for travelers worried about potential disruptions on their trips.

What Does Vrbo Travel Insurance Cover?

Vrbo Travel Insurance offers protection for unexpected incidents that may occur before or during your vacation. The coverage includes trip cancellations, trip interruptions, and emergency medical expenses. If you have to cancel your reservation due to unforeseen circumstances such as illness, injury, or death in the family, Vrbo Travel Insurance can reimburse you for non-refundable payments made for travel arrangements. The policy also covers trip interruption which means if any unexpected situations arise during your vacation that forces you to cut it short; Vrbo will cover the unused portion of your accommodations and other prepaid expenses. Additionally, Vrbo Travel Insurance provides emergency medical expense coverage which is essential when traveling abroad. This insurance plan pays for medical treatment costs incurred by travelers due to an accident or sickness while on their trip. Furthermore, the policy includes coverage for baggage delays and loss of personal items like luggage or passport while on a covered trip. It also reimburses expenses related to rental car damage or theft. Vrbo Travel Insurance provides comprehensive coverage options that ensure peace of mind throughout your travels.

How Much Does Vrbo Travel Insurance Cost?

When it comes to Vrbo travel insurance, the cost will depend on a few factors. The first factor is the length of your stay. Generally, the longer you stay, the more expensive your travel insurance policy will be. Another factor that affects the cost of Vrbo travel insurance is where you’re going. If you’re traveling to an area with higher risk or more expensive healthcare costs, then your policy may be pricier. Additionally, the type of coverage you choose can impact how much you pay for Vrbo travel insurance. There are different levels of coverage available, including standard and enhanced protection plans. You’ll need to carefully consider which plan fits your needs before making a decision. Keep in mind that there may also be additional fees such as taxes or processing fees on top of the base price for Vrbo travel insurance. It’s always a good idea to read through all of these details carefully before purchasing a policy so that there aren’t any surprises later on!

Pros and Cons of Vrbo Travel Insurance

Vrbo Travel Insurance can provide peace of mind during your vacation, but like any insurance policy, it has its pros and cons. Here are a few things to keep in mind before deciding whether or not to purchase Vrbo Travel Insurance. One major advantage of Vrbo Travel Insurance is the coverage it provides for unexpected cancellations or trip interruptions. If you are forced to cancel your plans due to a covered circumstance such as illness or severe weather, Vrbo will reimburse you for pre-paid non-refundable expenses. Another benefit of Vrbo Travel Insurance is emergency medical and dental coverage while traveling. This can be especially important if you plan on participating in adventure activities or visiting remote locations where medical care may be limited. However, there are also some drawbacks to consider. One potential downside is that the cost of Vrbo Travel Insurance can add up quickly depending on the length and cost of your trip. Additionally, some travelers may find that they already have similar coverage through their credit card companies or existing insurance policies. Ultimately, whether or not Vrbo Travel Insurance is right for you will depend on your individual needs and preferences. It’s important to carefully review the policy details before making a decision.

How to File a Claim with Vrbo Travel Insurance

Filing a claim with Vrbo Travel Insurance is a straightforward process. Firstly, you need to contact the Vrbo customer service team and inform them of your situation. They will then guide you through the necessary steps to file a claim. To begin, you will be required to provide documentation that proves your eligibility for coverage under the travel insurance policy. This includes medical reports or bills if someone in your party has fallen ill or been injured during your trip. In addition, if there are any cancellations or disruptions affecting your itinerary due to natural disasters or other unforeseen events, it is essential to keep copies of all relevant receipts and invoices related to these expenses. Once all necessary documents have been submitted, Vrbo’s claims processing team will review your case and assess whether it meets their criteria for reimbursement according to their policy terms and conditions. If approved, they will arrange for payment of eligible expenses directly into your bank account within a reasonable timeframe – typically between 2-3 weeks after receiving all required documents from you.

After analyzing the features, coverage options, cost and customer reviews of Vrbo Travel Insurance, it can be concluded that this insurance policy is a great option for travelers looking to protect their trip investment. With comprehensive coverage options such as cancellation protection, emergency medical expenses and rental damage insurance, travelers can have peace of mind during their vacation knowing they are covered in case of unexpected events. Although some customers reported issues with claims processing and communication with customer service representatives, overall feedback suggests that Vrbo Travel Insurance is a reliable choice for protecting your travel investment. It’s important to carefully review the terms and conditions of the policy before purchasing to ensure you understand what is covered and any exclusions. With proper research and understanding of the policy details, you can make an informed decision about whether or not Vrbo Travel Insurance is right for you.

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 6 Best Vacation Rental Travel Insurance Plans

Allianz Travel Insurance »

Seven Corners »

AXA Assistance USA »

AIG Travel Guard »

Nationwide Insurance »

Red Sky Travel Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Vacation Rental Travel Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners
• AXA Assistance USA

When you're planning an affordable yet fun-filled vacation, a rental home can be a great lodging option. By booking a vacation rental that's a condominium, a rustic cabin or a private villa instead of a hotel or resort, travelers get to enjoy more of the comforts of home during a trip, such as a living space and a kitchen to make meals in.

But you can't plan for everything, so you don't necessarily want to skip over a travel insurance policy in case something goes wrong. Investing in vacation rental travel insurance is the best protection you have against inclement weather or a natural disaster ruining your trip or forcing you to evacuate your vacation home before the end of your rental period.

The best travel insurance plans also offer additional coverage for travel delays, baggage loss, emergency medical expenses, emergency evacuation and other perils. Before you book a vacation property directly from an owner or through a platform like Airbnb, Vacasa or Vrbo, read on to learn about the best travel insurance policies for this type of trip and what they include.

• AIG Travel Guard
• Nationwide Insurance
• Red Sky Travel Insurance

Customizable coverage that works well for vacation rentals at any price point

Kids 17 and younger covered for free with some plans

OneTrip Basic plan may have insufficient coverage for your needs

• Trip cancellation coverage worth up to $100,000
• Trip interruption coverage worth up to $150,000
• Trip change protector worth up to $500
• $50,000 in coverage for emergency medical expenses
• Up to $500,000 for emergency medical transportation
• Baggage loss and damage coverage worth $1,000
• Baggage delay insurance up to $300
• Travel delay coverage worth up to $800 ($200 per day)
• 24-hour travel hotline assistance

SEE FULL REVIEW »

Broad selection of plans to choose from

Ideal vacation rental coverage for domestic trips available

Domestic plans with Air Travel Bundle come with low limits for baggage and personal effects

• Trip delay coverage worth up to $300 ($100 per day)
• Travel inconvenience coverage worth up to $150
• Baggage coverage worth up to $500 ($250 maximum per item)
• Baggage delay coverage worth up to $250 (up to $100 per day)
• Emergency accident and sickness coverage worth up to $50,000
• Coverage for emergency evacuation and repatriation of remains worth up to $250,000
• Emergency dental expense coverage worth up to $250

Offers comprehensive coverage based on your needs

Customize your policy with available add-ons

Optional CFAR coverage only available with Platinum Plan

• Trip cancellation coverage worth up to 100% of the total trip cost
• Trip interruption coverage up to 100%
• Trip delay coverage up to $500 ($100 limit per day)
• Missed connection coverage up to $500
• Emergency medical coverage up to $25,000
• Emergency evacuation coverage up to $100,000
• Accidental death and dismemberment coverage up to $10,000
• Common carrier accidental death and dismemberment coverage up to $25,000
• Baggage delay coverage up to $200
• Baggage and personal effects coverage up to $750

Customizable coverage with high limits

Cancel for any reason coverage available

Low medical expense limits for Essential Plan

• Trip cancellation coverage worth up to 100% of the trip cost
• Trip interruption coverage worth up to 150% of the trip cost
• Up to $1,000 in coverage for lost baggage
• Baggage delay coverage worth up to $300
• Travel medical expense insurance worth up to $50,000
• Up to $500,000 in emergency medical evacuation protection

10-day review period available

Preexisting conditions can be covered

Nationwide does not offer single-trip plans without medical or baggage insurance

• Up to $30,000 in trip cancellation insurance
• Trip interruption coverage worth up to 200% of the total trip cost (maximum benefit of $60,000)
• Trip delay coverage worth up to $250 per day ($2,000 maximum)
• Missed connection and itinerary change coverage worth up to $500
• Secondary coverage for baggage and personal effects worth up to $2,000
• Baggage delay coverage worth up to $600 for delays of 12 or more hours
• Accident and sickness medical expense coverage worth up to $150,000
• Emergency dental coverage worth up to $750
• $1 million in insurance for emergency medical evacuation
• Coverage for terrorism in a vacation destination

Choose from tailor-made plans for vacation rentals

Can only be purchased directly through vacation rental companies

Limited coverage options available (no option for rental cars or CFAR)

• Up to $100,000 in reimbursement for vacation rental expenses
• Trip delay coverage worth up to $750 (maximum of $200 per day)
• Coverage for emergency medical expenses and emergency medical evacuation (policy limits vary)
• Baggage delay insurance worth up to $1,000 per day ($200 per day)
• Emergency roadside assistance
• Worldwide emergency assistance services

Frequently Asked Questions

Vacation rental travel insurance works like any other type of travel insurance coverage. You pay a premium for the policy upfront, and you get varying levels of protection for trip cancellation or interruption, emergency medical expenses, emergency medical evacuation, lost or delayed baggage, and more.

You may not need certain types of travel insurance for trips in the U.S., such as coverage for emergency medical expenses if your own health insurance still applies. You may also choose to skip rental car insurance if you're using your own car and insurance for your trip. That said, it can still be beneficial to pay for travel insurance that covers trip cancellation and interruption, emergency medical evacuation, and more.

You can buy travel insurance online from top insurance companies. You may also be able to secure coverage with your vacation rental provider. Compare plans on TravelInsurance.com .

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries, some of which have included vacation rentals within the U.S. and all over the world. Johnson lives in Indiana with her two children and her husband, Greg – a travel agent who has been licensed to sell travel insurance in 50 states.

You might also be interested in:

9 Best Travel Insurance Companies of 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

Is Travel Insurance Worth It? Yes, In These 3 Scenarios

Trip insurance isn't <i>always </i>necessary.

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Vrbo travel insurance reviews.

Are you planning a trip and considering VRBO for your accommodation? If so, you may be wondering about the travel insurance options available to you through VRBO. In this article, we will review the different types of VRBO travel insurance, their benefits, and what customers have to say about their experiences.

What is VRBO Travel Insurance?

VRBO offers two types of travel insurance: Travel Insurance and Damage Protection. Travel Insurance covers trip cancellation, trip interruption, emergency medical expenses, and more. Damage Protection covers accidental property damage caused by guests during their stay.

Benefits of VRBO Travel Insurance

VRBO Travel Insurance provides peace of mind for travelers by offering coverage for unexpected events that can disrupt travel plans. Benefits include:

• Trip Cancellation Coverage
• Trip Interruption Coverage
• Emergency Medical and Dental Coverage
• 24-Hour Emergency Assistance Services
• Baggage and Personal Effects Coverage

Damage Protection, on the other hand, provides homeowners with a layer of protection against accidental damage caused by guests during their stay. Benefits include:

• Coverage for Accidental Damage to the Property
• No Security Deposits Required
• No Need for Homeowners to File a Claim with Their Own Insurance

Customer Reviews of VRBO Travel Insurance

Many customers have praised VRBO’s travel insurance for providing peace of mind and protecting their investments. Some have even reported successfully filing claims and receiving reimbursements for unexpected events.

However, some customers have also reported difficulties with the claims process and getting in touch with customer service. It is important to thoroughly read the policy and understand the coverage before purchasing VRBO travel insurance.

Overall, VRBO travel insurance can provide valuable protection and peace of mind for travelers and homeowners. However, it is important to thoroughly read the policy and understand the coverage before purchasing. By doing so, you can make an informed decision that works best for your travel needs.

Originally posted 2022-05-10 10:44:00.

Travel Erudition

Is vrbo travel insurance worth it?

There’s no simple answer to whether or not VRBO travel insurance is worth it. On one hand, if you’re worried about losing money if you have to cancel your trip, travel insurance can give you some peace of mind. On the other hand, travel insurance can be expensive, and it may not cover everything that you’re worried about. Ultimately, you’ll need to weigh the cost of the insurance against your own personal level of risk tolerance to decide if it’s worth it for you.

There is no simple answer to this question as it depends on a variety of factors. Some people may find that the peace of mind offered by travel insurance is worth the cost, while others may not feel that it is necessary. It is important to consider your own personal risk factors when deciding whether or not to purchase travel insurance.

Should I buy trip insurance on VRBO?

It is always a good idea to have insurance for your rental property, no matter what type of property it is. This is because anything can happen and you are trusting other people to stay in your rental. You need to have them treat it as if it was their own, but this is not always the case.

Vrbo’s $1M Liability Insurance program is a great way to protect yourself in case of any accidents or damages that may occur during your stay. However, it is important to note that this program only applies to liability claims, and does not cover any damages to your own property. Additionally, the $1M Liability Insurance program only applies when the reservation is processed online through Vrbo checkout.

Can you get money back from VRBO

If you have any questions about refunds, please contact our customer support team.

If you’re considering buying travel insurance, it’s important to know that most policies will not cover trip cancellations or interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel. This includes events like the current outbreak of the coronavirus (COVID-19). So, if you’re planning a trip and are worried about the possibility of cancellation or interruption, you may want to consider alternative options.

When should I buy trip cancellation insurance?

It’s always best to buy travel insurance as soon as you make your reservations. The sooner you buy coverage, the sooner you’ll be protected and the more benefits you may be eligible to receive.

A travel insurance policy is a great way to financially protect yourself when traveling. Most policies will cover you in the event of an accident or illness, and will also provide financial protection if your luggage is lost or stolen. While most people never have to use their travel insurance, it’s always good to know that you’re covered in case something does happen. Travel insurance is usually very affordable, so it’s definitely worth the peace of mind it provides.

What kind of insurance do I need for a vacation rental?

If you regularly rent your vacation property, you need business insurance. The proper insurance policy is comprehensive. This means there’s full coverage in place whether it’s being rented, vacant, or being used by the owner or their guests.

Trip Cancellation insurance is a must-have for any traveler. It protects you from losing money if you have to cancel your trip for a covered reason. The most common covered reason is unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member. Other common covered reasons include terrorism, inclement weather, or a natural disaster, among others.

Does Vrbo travel insurance cover hurricanes

If your property is affected by a natural disaster and you need to cancel a reservation, contact us and we will waive the cancellation fee.

If you cancel a reservation, you will get 100% refund as long as you are within the refund window. The host will automatically refund the service fee, and we will refund the commission and payment processing fees.

Is there a class action lawsuit against Vrbo?

The plaintiff, who rented a VRBO property in Galveston, Texas, alleges that she was wrongfully denied coverage under the travel insurance policy she purchased after the VRBO property she rented was damaged by Hurricane Harvey.

The plaintiff is seeking class action status on behalf of allVRBO renters who purchased travel insurance through the company and were denied coverage for hurricane-related damages.

This is a developing story, and we will provide updates as more information becomes available.

If you haven’t received a response from the host, please check to make sure that you have received an inquiry confirmation email from Airbnb. This email should confirm that your inquiry has been delivered to the host. If you have not received this email, please contact Airbnb customer service for further assistance. Thank you!

Does travel insurance cover 100%

If you have to cancel your trip due to a covered reason, most policies will reimburse you 50% to 75% of your trip cost. This can be helpful if you’re feeling uncomfortable traveling due to COVID-19 cases or quarantine recommendations. Be sure to check the individual policy for what is covered and what is not.

A comprehensive insurance policy usually covers delays, cancellations due to sickness or death, lost luggage and some emergency medical costs. This can give you peace of mind when travelling, knowing that you are covered for a range of potential problems.

What gets covered in travel insurance?

Travel insurance is a type of insurance that covers different risks while travelling. It covers medical expenses, lost luggage, flight cancellations, and other losses that a traveller can incur while travelling.

There are a lot of different factors to consider when choosing the best medical coverage for your needs. GeoBlue is our top pick for medical coverage. They offer a wide range of plans and coverage options, so you can find the perfect fit for your needs. Travelex is another great option for medical coverage. They offer a variety of plans and coverage options to meet your needs.

Final Words

This is a difficult question to answer as it depends on a variety of factors. Some people may find that the insurance is worth it while others may not. It really depends on the individual and their specific needs.

After researching the topic and reading various reviews, it seems that VRBO travel insurance is not worth it for most people. The main complaints are that it is difficult to file a claim and that the coverage is not as comprehensive as other travel insurance policies.

Scott Johnson

Scott Johnson is passionate about traveling. He loves exploring new cultures and places, and discovering the world around him. He believes that travel can open up new perspectives and opportunities for growth and development. Scott has visited many countries in Europe, Africa, South America, and Asia, and he continues to seek out new destinations for his adventures.

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Should you purchase travel insurance for your vacation rental?

Vacation rentals booked through Airbnb and its alternatives have become popular holiday destinations for all types of travelers, from extended families staying in large beachfront homes to couples vacationing in swanky city apartments.

But what happens if these rental properties, especially ones worth millions of dollars, get damaged before you arrive or if your plans unexpectedly change, causing you to need to cancel or shorten your stay?

While the exact outcome will depend on the situation, if you purchase travel insurance , you may find you're eligible for compensation.

So how do you know if it's worth the investment before your next trip? TPG dug into the details to determine what standard travel insurance policies may cover you for when staying at home rentals — and when you may want to purchase some additional coverage.

For more TPG news and tips delivered each morning to your inbox, subscribe to our daily newsletter .

What travel insurance covers for vacation rentals

Traditional travel insurance policies offer features that will cover you and your invested travel costs, whether you're staying at a hotel , friend's house or rental property. Although the exact benefits for vacation rentals may vary slightly depending on the policy you choose, there are a few situations that most will cover.

Your vacation is canceled due to sickness, injury or an emergency

Many hotels offer free cancellations until two or three days before arrival so long as you book your rooms with flexible rates. However, this is rarely the case for vacation rentals, which often have strict cancellation policies requiring 30 to 60 days of advance notice to cancel without penalty. Some even go so far as to have completely nonrefundable deposits, regardless of the cancellation circumstances.

Fortunately, there's a workaround to this conundrum if you find yourself in an unexpected situation involving your health or the health of someone close to you: trip cancellation coverage. If you have insurance with trip cancellation coverage and cannot complete your trip as planned due to select health-related issues, you'll be able to recoup up to 100% of your nonrefundable costs.

While the exact cases that are eligible for complete reimbursement vary by policy, know that many pertaining to health are covered. For example, World Nomads ' trip cancellation insurance policy will cover you in the event you need to cancel your vacation, including any stays at home rentals, due to illness, injury or a death in the family.

You have to cut your vacation short due to a medical reason or natural disaster

In addition to helping you out when you need to cancel your entire vacation, insurance can reimburse you for early departure fees when you find yourself needing to cut your vacation rental stay short. Know, though, that you'll need to have a policy offering trip interruption protection to be eligible for this perk.

Covered reasons for ending your stay early will vary from plan to plan, but typically, policyholders can expect reimbursement due to health-related issues and natural disasters like hurricanes, wildfires and blizzards. For instance, IMG's travel insurance covers sickness, injury and natural disaster evacuations when cutting vacation rental stays short.

You cannot stay at the rental due to it being uninhabitable

If you book a vacation rental that is not fit for human habitation, then the booking company or owner should refund all your costs. However, there are rare occasions when this does not happen, so it's important to have travel insurance as a backup.

To qualify for reimbursement from your travel insurance provider due to uninhabitable conditions, you'll need to read the fine print of your chosen policy. Allianz , for example, defines uninhabitable as "a natural disaster, fire, flood, burglary or vandalism that has caused enough damage (including extended loss of power, gas or water) to make a reasonable person find their home or destination inaccessible or unfit for use."

Other situations, such as having an unpleasant or dirty vacation rental , would not be enough to trigger this coverage.

Should you have to find another property or cancel your trip completely due to uninhabitable conditions at your original rental, your travel insurance plan will cover the added costs you incur.

Related: 13 mistakes to avoid on your next vacation home rental

What travel insurance won't cover for vacation rentals

As you may expect, there are some situations when travel insurance won't cover extra expenses related to stays at rental properties. To have a solid understanding of what to expect, be sure to read the fine print of any insurance product you choose. Only circumstances listed in the policy will be covered. The following are two key reasons why you wouldn't be covered.

You accidentally damage the property during a typical stay

Most travel insurance policies will not cover the costs of damage you incur at a rental property, even if it was done by accident. As a result, you must pay for a replacement or repair to any item you accidentally break or damage, such as a work of art, a garage door or wine glasses. Depending on the item in question, this can quickly add up.

If you have a homeowners or renters insurance policy, know that it may include protection beyond regular limits called "umbrella" coverage, which can help cover damage caused at a rental property. Keep in mind, though, that you'll have to pay your deductible first. Additionally, your home insurance rate may rise if you submit a claim for vacation rental damage.

Should you wish to stick with travel insurance, you may be able to add extra vacation rental coverage to a traditional policy to assist with accidental damage. Faye's travel insurance , for example, has an add-on feature that offers "coverage if you unintentionally damage the vacation rental property you're staying in or its contents, while in-trip." It costs about 10% of what you'll spend on the main policy itself.

You damage the property while hosting a party

Across the board, travel insurance policies are much more strict about damage caused during parties. If you host an unapproved party or event at a rental property and damage any part of the rental, you will be responsible for covering costs associated with repairs and replacements.

Even approved events are not entirely off the hook for any damage caused to the property. Should you decide to use a vacation rental for an approved event like a wedding or family reunion, expect the booking company or owner to require you to purchase an event-specific insurance policy that covers guest liability, home damage and other items that may be specific to the location.

Related: 6 truths and myths about 'cancel for any reason' travel insurance

Bottom line

Home rentals can be a great lodging solution when you're on vacation, especially if you're traveling with family or friends. However, the high cost of some vacation properties and the cancellation policies often in place mean you should probably purchase some kind of travel insurance to protect your investment.

Typical travel insurance policies will offer coverage for your vacation rental costs should your trip be canceled or delayed for events covered under the policy, but you may be on the hook for other scenarios. As a result, it's vital you pay careful attention to your policy's terms. Doing so will ensure you know what to expect should you face an unexpected situation while enjoying your temporary home away from home.

Related: 7 things to look out for when buying travel insurance, according to an expert