CBIZ Vacation Rental Insurance Reviews [2024]

Discover how CBIZ Vacation Rental Insurance can protect your property from unexpected damages. Read reviews and learn about coverage benefits in our article.

Disclosure: This post may contain affiliate links.

Get more tips & ideas in our Airbnb Host Checklist!

Do you worry about what could go wrong with your vacation rental? 

Accidents, storms, or unexpected damages can turn your dream investment into a nightmare. But what if there was a way to protect it? 

In this article, we’re sharing CBIZ vacation rental insurance reviews to help you understand how this coverage can be your safety net. 

Learn how CBIZ has helped countless owners safeguard their properties from unforeseen events. Whether it’s a cozy cabin or a beachfront villa, discover how the right insurance can bring peace of mind and keep your rental dreams thriving. 

Dive in to find out if CBIZ is the right choice for your vacation haven!

What is the CBIZ Vacation Rental Insurance?

Established in 2002, CBIZ Vacation Rental Insurance is one of the pioneers of vacation rental insurance. For around 2 decades, CBIZ set the stage for what comprehensive coverage should look like.

Fast forward to now, and they’re not just a player; they’re a leader. Covering properties in every corner of the U.S., CBIZ has a solution for every state’s quirks and regulations. Whether your rental is nestled in the snowy mountains of Colorado or basking in the Florida sun, CBIZ has got your back.

CBIZ vacation rental home page

But here’s the real kicker: since 2018, they’ve been on the Better Business Bureau’s good list, and not just barely scraping by. They’ve clinched an A+ rating. That’s like the golden star you’d stick on your fridge. It means they’re not just talking the talk; they’re walking the walk in customer satisfaction and solid business practices.

CBIZ Key Features

Let’s break down what makes their policy stand out.

Complete Replacement for Standard Homeowners Insurance

CBIZ’s policy isn’t your run-of-the-mill homeowners insurance. It’s crafted to cover both personal and commercial use of your property. Think of it as a hybrid, offering the best of both worlds. 

This includes replacement cost coverage for your building and contents, damage caused by guests, and even those pesky issues like sewer backups. Plus, it covers additional structures on your property.

Underwritten by Tudor Insurance

When it comes to underwriting, CBIZ partners with Tudor Insurance. These folks are the big leagues in insurance, bringing unmatched expertise and reliability. This collaboration means you’re getting top-tier policy options.

Long Track Record in Vacation Rental Insurance

They’ve been in this niche for a long time, giving them a deep understanding of what vacation rental owners need. This experience translates into policies that hit the mark.

Standard Coverage Amounts and Limits

CBIZ keeps it simple with standard coverage amounts and limits. This approach takes the guesswork out of choosing your insurance, making it straightforward for hosts to pick what works for them.

Extra Insurance Benefits

CBIZ goes the extra mile. One standout benefit? Hosts can offer a limited amount of alcohol to guests without worrying about liability issues. It’s these thoughtful extras that set CBIZ apart.

Short-Term Rental Coverage

Here’s a closer look at what their policy offers:

Commercial General Liability

This is the big one. CBIZ offers a whopping $2 million in general aggregate coverage, with $1 million per occurrence and another $1 million for personal/advertising injury. 

Plus, there’s $5,000 for medical payments. And if you ever need legal defense, they’ve got your back with coverage for legal fees. Property managers? They’re included at no extra cost.


CBIZ ensures your building and contents are covered with replacement cost coverage. This includes damage caused by guests and those unexpected issues like sewer backups. And don’t forget about additional structures on your property; they’re covered too.

Business Income

If your rental income takes a hit, CBIZ has you covered with loss of rental income coverage. They also provide for loss of use and extra expenses, ensuring you’re not left in the lurch financially.


CBIZ cover amenities like swimming pools, hot tubs, docks, and even non-motorized watercraft like canoes, paddleboards, and kayaks. And for those who offer bikes or exercise equipment, those are included too.

Additional Coverages

If you’re hit with a bed bug infestation, CBIZ covers up to $17,500 with no deductible. It’s a unique coverage that shows CBIZ’s understanding of the specific challenges vacation rental owners face.

Limitations on Coverage

While CBIZ’s vacation rental insurance is comprehensive, it’s important to be aware of certain limitations in coverage. Knowing these can help you plan better and understand what to expect.

Sewer and Drain Backup Damage Limit

First up, let’s talk about sewer and drain backups. CBIZ does provide coverage for damage caused by these backups, but there’s a cap. The coverage goes up to $25,000. It’s a generous limit, but something to keep in mind, especially if your property is in an area prone to such issues.

Cap on Repairs Downtime

If your property needs repairs and can’t be rented out, CBIZ has a coverage cap set at $50,000. This means if your property is off the rental market for repairs, the insurance will cover lost income and related expenses up to this amount. It’s a safety net, but one with a ceiling.

Medical Expense Coverage Limit

In the unfortunate event that someone gets injured on your property, CBIZ covers medical expenses. However, this coverage is limited to $5,000 per person. It’s a crucial detail to note, especially if you’re hosting in a location where guests engage in more adventurous or risky activities.

In essence, while CBIZ offers robust coverage for vacation rental properties, these limitations are key factors to consider. They highlight the importance of understanding the full scope of your policy, ensuring you’re adequately prepared for any situation that might arise.


When it comes to pricing, CBIZ’s vacation rental insurance doesn’t have a one-size-fits-all tag. Several factors influence the cost, including the presence of amenities like pools, kayaks, and hot tubs. The type of activities you offer with your rental can also affect the price. 

Additionally, if a safety inspection reveals the need for immediate repairs, this could impact your premium. It’s a tailored approach, ensuring you pay for what your property specifically needs.


Remember, all coverages are subject to the terms, provisions, exclusions, and conditions in the policy and its endorsements. In an actual claim situation, coverage depends on the terms, conditions, and exclusions of the policy issued. It’s always wise to consult a professional before making decisions based on this information.

CBIZ Vacation Rental Insurance Reviews

CBIZ’s Vacation Rental Insurance Program has received positive reviews from short-term vacation rental property owners and managers who have used their insurance program. 

Customers appreciate CBIZ’s customer service, product details, and pricing. They also like that CBIZ covers loss in rental income, which is not covered by traditional insurance. 

Here are some of the CBIZ vacation rental insurance reviews left by some customers:



CBIZ Vacation Rental Insurance offers a comprehensive solution tailored to the unique needs of vacation rental properties. With its extensive coverage, including unique benefits like bed bug removal, and limitations like the cap on repairs downtime, it’s a solid option for many property owners. 

However, the final decision should be based on individual property needs and a thorough understanding of the policy details.

CBIZ Vacation Rental Insurance Pros:

  • Comprehensive coverage including amenities and additional structures
  • Specialized policies for both renters and hosts
  • Backed by Tudor Insurance, ensuring reliability and expertise
  • Unique benefits like bed bug removal coverage

CBIZ Vacation Rental Insurance Cons:

  • Coverage limitations, such as caps on sewer backup damage and medical expenses
  • Pricing varies based on property specifics, which could be higher for some
  • Policy details can be complex, requiring careful review

If you’re considering insurance for your vacation rental, CBIZ is worth exploring, especially for its comprehensive and specialized coverage options. However, weigh the pros and cons against your specific needs. 

If you’re still shopping around for an insurance provider for your vacation rental property, check out Proper Insurance and head on over to our in-depth review of why they’re our top recommendation. For more insurance recommendations and to find the best fit for your property, check out our list of the best vacation rental insurance companies for a broader perspective and more options.

Get a comprehensive vacation rental insurance quote in 3 minutes.

Get a quote

How useful was this post?

Your feedback helps us write better content.

Thanks for letting us know!

How could we improve this post?