InsuraGuest Reviews: Is It The Right Insurance For You? [2024]

If you're in the market for vacation rental insurance, make sure you get your bases covered. Our InsuraGuest Reviews article has everything you need to know before committing.

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Imagine the peace of mind you’d feel knowing your vacation rental is fully protected. Every vacation rental owner knows the anxiety of unexpected guest accidents or property damage. 

What if there was a solution tailored specifically for short-term rentals?

Enter InsuraGuest, a digital insurance for vacation rentals. Their comprehensive coverage addresses the unique risks of your property.

But is it the right one for you? In this guide, we’re sharing InsuraGuest reviews, key features, pros and cons to help you decide.

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What is InsuraGuest?

InsuraGuest, established in 2010, specializes in digital insurance solutions for short-term vacation rentals. The company’s focus is on addressing specific risks associated with vacation rental properties. 

Their insurance coverage includes protection against accidental guest injuries, medical expenses, as well as damage to property and contents, and theft. This comprehensive coverage aims to fill the gaps that may be left by traditional insurance policies.

The policies offered by InsuraGuest are underwritten by Crum & Foster, adding a layer of credibility to their insurance products.  InsuraGuest’s services are available across all 50 U.S. states and Canada.

One notable aspect of InsuraGuest’s offerings is its competitive pricing. The company is recognized for providing one of the more affordable vacation rental insurance policies in the market. 

This pricing strategy makes their products accessible to a diverse range of customers, from individual property owners to larger rental businesses.

InsuraGuest Key Features

Seamless Integration with Property Management Systems

InsuraGuest stands out for its effortless integration with leading property management systems (PMS). This feature allows you to easily activate InsuraGuest’s services with a simple click within their PMS interface. 

The system is also compatible with major Online Travel Agencies (OTAs) such as Airbnb and Vrbo, and integrates smoothly with popular PMS platforms like Hostfully and Guesty.

Flexible, No-Commitment Coverage

The service offers a flexible, no-commitment approach, allowing you to control the coverage. Users can turn the insurance on or off as needed and are only charged when the service is active. 

This flexibility extends to the ability to start, pause, or cancel subscriptions at any time, with coverage available 365 days a year.

Real-Time Activation and Easy Claim Process

InsuraGuest’s coverage activates and deactivates in real-time, in sync with guest check-ins and check-outs, thanks to its proprietary integrations with PMS providers. 

The claim submission process is straightforward and online, with most claims being processed and paid within 72 hours. The provider also does not require fault determination for payouts, streamlining the claims process.

Comprehensive Coverage

InsuraGuest provides comprehensive coverage that fills gaps between guests. This comprehensive approach ensures that you are covered for a wide range of incidents, offering peace of mind and security.

Share costs

An innovative feature of InsuraGuest is the ability to share insurance costs with guests. You can add a nightly fee to each reservation, which is passed on to the guests. 

This cost-sharing approach not only helps manage insurance expenses but also involves guests in contributing to the safety and security of the property they are renting.

InsuraGuest Coverage

Accidental Medical

InsuraGuest offers two tiers of accidental medical coverage for guests:

  • The first tier, priced at a $90 monthly subscription, provides up to $25,000 in medical benefits for injuries incurred during a stay. 
  • The second tier, at a $60 monthly subscription, offers up to $10,000 in medical benefits. 

This coverage is essential for providing financial assistance in case guests get injured on the property.

Theft

The service includes theft coverage, offering up to $2,500 with a $500 deductible. This coverage is crucial for situations where items are reported missing during a guest’s stay, providing a safety net for you against losses due to theft.

Comprehensive Coverage

InsuraGuest’s comprehensive coverage ensures protection gaps between guest stays are covered throughout the year. The service is known for its quick and efficient claims processing and is pre-integrated with top property management systems, making it easy to use.

Property Damage

For property damage, InsuraGuest offers up to $25,000 coverage for the $90/month subscription and up to $10,000 for the $60/month subscription, with a low deductible of only $100. This coverage includes repair or replacement costs for the home’s contents and any property damage caused by a guest.

For detailed information on the items and amounts covered, you can visit InsuraGuest’s Coverage Page.

Death

In the unfortunate event of accidental death or dismemberment during a stay, InsuraGuest provides a $5,000 coverage with no deductible. This aspect of the coverage offers an additional layer of security and peace of mind for both you and your guests.

Cost Sharing

InsuraGuest introduces a cost-sharing model that allows you to let guests contribute to the insurance costs. This approach can lower the owner’s expenses and potentially increase profits. It also serves as an alternative to traditional security deposits, which guests often find cumbersome. 

This feature not only eases the financial burden on you but also involves guests in sharing responsibility for the property during their stay.

InsuraGuest Pricing

InsuraGuest offers a flexible monthly payment structure for its insurance services. Customers can choose between two pricing tiers: a $60 per month option, which provides up to $10,000 in coverage, and a $90 per month option, offering up to $25,000 in coverage. 

This tiered pricing model allows you to select the level of coverage that best suits your needs and budget.

Additionally, InsuraGuest provides the opportunity for a free demo, allowing potential customers to explore the service and its features before committing to a subscription. This option is particularly useful for those who are new to vacation rental insurance or are considering switching from their current provider.

A unique aspect of InsuraGuest’s pricing model is the option for cost-sharing with guests. This feature enables hosts to pass on the insurance cost to the guests making the booking. 

This approach not only makes the insurance more affordable for you but also involves guests in sharing the responsibility for their safety and the protection of the property during their stay.

InsuraGuest Reviews

As for customer feedback, InsuraGuest does not yet have a wide range of external customer reviews. However, the company’s website features a selection of positive testimonial quotes from users. 

These testimonials provide insights into the experiences of current users, although they represent a limited perspective due to the small number of reviews available.

Source: https://www.insuraguest.com/hotels

Alternatives

Proper Insurance

For Airbnb or VRBO hosts in search of high-quality insurance coverage, Proper Insurance is worth considering. This company is backed by Lloyds of London and is recommended by Airbnb and VRBO, highlighting its credibility and specialization in the short-term rental market.

Proper Insurance - best insurance for vacation rentals

Proper Insurance is unique for its focus on short-term rentals, boasting over 50,000 policies across the U.S. It offers coverage for a wide range of property types, including vacation homes, townhouses, condos, duplexes, cabins, cottages, and apartments.

What makes their policies stand out is the customization for short-term rental properties, providing extensive coverage that includes host liability, amenity liability (for items like bikes, kayaks, and hot tubs), theft, vandalism, and even bed bugs and squatters. It’s a comprehensive option for those seeking thorough protection.

For those interested in Proper Insurance, you can get a free quote in just 5 minutes. More detailed information is available in our Proper Insurance review, or you can visit their website directly.

CBIZ

CBIZ is another major player in the vacation rental property insurance market, known for its extensive experience and presence across all 50 states. Since 2002, they have been insuring short-term rental properties, making them the largest insurer in this niche in the United States.

CBIZ vacation rental home page

CBIZ sets itself apart by working with top-rated carriers to provide a variety of property insurance coverages, each designed to meet the specific challenges of vacation rental ownership. Their two decades of experience offer a deep understanding of the market.

CBIZ also prioritizes clear communication and personalized customer service, ensuring property owners receive protection that covers both their properties and their incomes effectively.

For more information on CBIZ and their offerings, visit their website at CBIZ Vacation Rental Insurance.

Allstate

Allstate HostAdvantage is a popular choice among Airbnb and Vrbo property owners and managers. As an established insurance company, Allstate allows homeowners to extend their existing policies to cover short-term rentals, providing a convenient solution for those looking to protect their rental ventures.

This extension is a practical option for hosts seeking to integrate short-term rental coverage with their current homeowner policies, illustrating Allstate’s adaptability to the evolving needs of property rental and ownership.

For a detailed look at Allstate HostAdvantage, our full review offers insights into how it can meet the specific needs of short-term rental properties.

Conclusion

InsuraGuest offers a tailored solution for vacation rental insurance, blending comprehensive coverage with flexible pricing and seamless integration with property management systems. 

Its unique features, like real-time activation and cost-sharing with guests, make it an appealing choice for property owners. However, the decision to choose InsuraGuest should be based on individual needs, considering factors like coverage requirements and budget.

InsuraGuest Vacation Rental Insurance Pros

  • Seamless integration with top property management systems and OTAs.
  • Flexible, no-commitment coverage with real-time activation/deactivation.
  • Competitive pricing with cost-sharing options.
  • Quick and efficient online claim processing.
  • Comprehensive coverage, including accidental medical, theft, and property damage.

InsuraGuest Vacation Rental Insurance Cons

  • Limited external customer reviews available for comprehensive evaluation.
  • Coverage limits may not suit all property sizes or values.
  • Currently available only in the U.S. and Canada.

For those seeking a modern, flexible, and user-friendly insurance solution for their vacation rental property, InsuraGuest is certainly worth considering. Its range of features caters to the specific needs of vacation rental owners and offers peace of mind through comprehensive coverage. To explore more options and find the best fit for your needs, head on to our top vacation rental insurance recommendations.

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