Insurance for Airbnb, VRBO & Short-Term Rentals
Central Oregon is one of the most popular vacation rental markets in the Pacific Northwest. If you own a short-term rental property in Bend, Sisters, Sunriver, or anywhere in the region, standard homeowners insurance is not enough.
At Insure Pacific, we understand the specific challenges vacation rental owners face — from guest liability and property damage to loss of rental income and short-term rental regulations. Our vacation rental insurance policies are designed to give you peace of mind while maximizing your rental income potential.
We work with carriers who specialize in short-term rental properties to ensure you have the right coverage at competitive rates.
Why You Need Vacation Rental Insurance
- Standard homeowners policies exclude short-term rental activity
- Airbnb and VRBO host protection has significant gaps and limitations
- Guest injuries can result in costly lawsuits
- Property damage by guests may not be covered by standard policies
- Loss of rental income can be devastating without proper coverage
- Oregon requires specific liability limits for licensed vacation rentals
What's Covered
Comprehensive protection for your vacation rental property
Property Damage
Coverage for damage to your rental property, including furniture, appliances, and fixtures caused by guests or covered perils.
Liability Protection
Protection against lawsuits if a guest is injured on your property or if you're held responsible for property damage.
Loss of Income
Reimbursement for lost rental income if your property becomes uninhabitable due to a covered loss.
Guest Theft & Vandalism
Coverage for stolen or vandalized property, including contents and personal belongings left at the rental.
Building Coverage
Protection for the structure itself against fire, wind, hail, and other covered perils.
Medical Payments
Coverage for minor medical expenses if a guest is injured on your property, regardless of fault.
Protect Your Vacation Rental Investment
Don't leave your rental property exposed. Contact Insure Pacific today for a free vacation rental insurance review and competitive quote.
