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Short-term rental insurance built on our own years as Airbnb, Vrbo, and Booking.com hosts — so it actually covers what your homeowners policy won’t.
Questions? Text or call (760) 487-8268
Wondering if AirCover is enough? See how it compares →
Running a vacation rental is a business — and your insurance should be built for it.
Coverage designed specifically for short-term vacation rentals — not a standard homeowners policy stretched too thin.
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Running a vacation rental business means your homeowners insurance may leave you with serious gaps in coverage.
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Equipment breakdown, bed bugs, earthquakes, loss of income, service line damage, and property manager commission — six protections built in as standard.
See all coverageNo insurance jargon, no endless forms. Here’s exactly what happens when you reach out.
Fill out our 5-minute quote form with your property address, which platforms you list on, and a rough estimate of your rental income. Upload your current policy if you have one — we’ll find the gaps.
A real person — an STR owner, like you — calls or texts you back to walk through your coverage options in plain English. No jargon, no pressure. Just an honest conversation about what you need.
Once you’re happy with your quote, we bind your policy. Most clients are covered the same day they reach out. You get a real insurance policy — not a platform program Airbnb can change without notice.
The VIFO team knows insurance — but just as important, we understand the risks of short-term rentals because we’re owners ourselves. It was a difficult claim of our own that made us decide: there has to be a better way.
We won’t confuse you with insurance jargon. Our reps explain your coverage in plain English, and our claims team responds when you actually need them.
Read Our Full Story
“VIFO Insurance helped us when we started on Airbnb. We didn’t know where to turn for insurance and they helped walk us through the process. I felt like they actually cared about protecting our investment.”
“VIFO saved us hundreds of dollars a year compared to what we were paying. We switched and haven’t looked back. The team was knowledgeable and made the whole process painless.”
“I had no idea how many gaps I had in my coverage until VIFO walked me through it. The bed bug coverage alone is worth it — that’s the kind of thing that can destroy a listing’s reputation overnight.”
“We list on both Airbnb and Vrbo. When I realized AirCover only covered Airbnb bookings, half my calendar had zero protection. VIFO fixed that in one call.”
Practical guides written by STR owners, for STR owners.
The very last thing any STR owner wants to think about — but if a guest won't leave, here's exactly what to do.
Two methods — DIY research and pricing software — to help you find the rate that maximizes bookings and profit.
Your listing is your storefront. Here's how to write a headline, description, and photo strategy that converts browsers into bookers.
STR income is taxable — but so are many of your expenses. Here's what to track, what to deduct, and when to call your accountant.
You’re making a smart call. No jargon, no runaround — just real coverage built for owners like you.