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Your Home A Home Condos Hotel/Motel Options FAQ
There are several variations of insurance you may purchase, depending on your situation, that will protect you from related liability when vacation renting or holiday letting your property.
Renting a residential property for a day, a week, a month, or a season? You need a policy that addresses this particular type of insurance need. We are happy to help you get a policy like this through our agency.
Your Home - While You Stay Elsewhere
The first situation is created when you rent your own primary, secondary, or seasonal residence occasionally to others and you vacate it or will not also occupy the residence while others are using the home and the contents you have provided. This frequently done in Cooperstown, college towns and cities, and in the lake districts of upstate New York State, during peak seasons. Some of the ski areas also increase area accommodations in this way. You may have homeowners insurance already. However, without special endorsements designed to cover this use of your property, any claim may be rejected by your insurance company. Contact us at 607-843-8860 or insurance@drickardinsurance.com so we can build a policy with you for your unique situation. We are happy to help you avoid rejection to the best of our ability when you fully disclose the use of your property. Our clients have been happily surprised how affordable the polices are that address this concern.
Your Home - As A B&B
In the second category you continue to use your residence while the short stay tenants are there. In this case you will be happy to know that we offer bed and breakfast products that may be added to a homeowner policy we design for you or an entire separate policy may be purchased. Contact us at insurance@drickardinsurance.com or 607-843-8860.
A Home - That You Do Not Live In
Third, you may have use of your rental property by vacationers who stay anywhere from one night up to the entire season. Once again we come to the rescue with seasonal rental or long stay holiday lettings insurance products. Sometimes the type of insurance is referred to as Holiday Home Insurance, Vacation Rentals Insurance, Lake House Insurance, Short Term Rentals Insurance, and more. What ever you call it, if you are renting space out for people to come to on holiday to take a vacation at we probably can design for you a policy that you will like.
Do you provide recreational activities for your guests? Hiking trails, a boat launch, exercise facilities? We have insurers who may help you with the special needs you will have.
Perhaps you have a situation not addressed on this page? If so, don't move on without giving us a chance to help you. Please let us know what you are looking for. Contact us at insurance@drickardinsurance.com or 607-843-8860.
Not Your Home - Vacation and Short Term Rentals Insurance
Generally the definition of Vacation Homes and Short Term Rentals as Dwellings, for one to four families, that are rented for residential purposes and the lease agreements are for periods of time for less than 12 months. Such as daily, weekly, monthly, or seasonal rentals. Monthly renting to the same tenant repeatedly may disqualify the property from their Vacation and Short Term Rentals Insurance program. Contact us for more information at insurance@drickardinsurance.com or 607-843-8860.
Dwellings may be used by the owner for their own vacation purposes. Primary Residences that are occasionally rented out are better insured in the Homeowners Insurance Policy with special features added. For more information on this unique type of coverage contact us at insurance@drickardinsurance.com or 607-843-8860 or see our Homeowners Insurance page.
Condos - For Vacation Rental
In this case you own a condo or townhouse in a building that is not deeded to you. We seem to really shine in condo insurance since we have found policies for under $400 a year! Quite possibly there will not be enough coverage for you in a policy this small. There is a need for insurance for:
Call us for more details about what we can build for you at 607-843-8860 or email us at insurance@drickardinsurance.com.
Coverage options for Vacation and Holiday Rentals include:
AirBnB offers its own insurance, do I still need some?
For more information and to find out if your tenant occupied property qualifies for the insurance policies we have found please contact us insurance@drickardinsurance.com or 607-843-8860.
Click Here to send us basic information for an insurance premium indication.