Vacasa’s Accommodation Protection Program

Get peace of mind at an affordable cost with vacation rental damage protection available only through Vacasa.

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Your peace of mind is important to us. That’s why we offer our unique Accommodation Protection Program for vacation homes in the U.S. and Mexico, tailor-made for short-term rental owners.

Vacasa’s Accommodation Protection Program adds an addendum to the Vacasa Vacation Rental Services Agreement to provide homeowners with additional contractual protection, including up to $1 million for your home itself (such as sub-flooring or windows) as well as damage to your furnishings and valuables up to $25,000.

How does the program work?

As part of Vacasa’s management of our homeowners’ vacation homes, Vacasa provides additional optional services to the homeowner, in addition to guest offerings for their Vacasa bookings.

Vacasa assumes specified obligations and responsibilities as host during the Vacasa contracted guest rental stay, which includes responsibility to return your home to its pre-guest stay condition*, by adding up to:

  • $25,000 in Damage to Personal Contents within or at the Home during a Guest Reservation,
  • $1 million in Damage to Real Property, excluding Personal Contents, occurring during a Guest Reservation,
  • $1 million of liability for Claims arising from or relating to Bodily Injury occurring during a Guest Reservation, and
  • $15,000 per Guest Reservation for any Bed Bug Remediation, including lost revenue reimbursements.
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In the past, we would often arrive at our unit and items would be missing or broken with no explanation, which always stressed us out. In April, before our arrival Vacasa notified me that a guest had broken one of the glass mirrors in the living room and it was being taken care of. This is the type of customer service we expect.
Mike M., Panama City Beach, FL

What's protected by the Accommodation Protection Program?

  • Guest-caused property damage, including water overflow, damage due to guest accidents, negligence, kitchen fires and more.
  • Guest-caused damage to homeowner’s to-the-studs contents, including personal property, such as furniture, lamps, appliances, dishes and wares, etc.
  • Legal demands and lawsuits arising from guest injuries that occur at your rental unit during a Vacasa stay
  • Lost income and specified damage caused by bedbug infestation

What's not protected?

There is no obligation of Vacasa for any contracted homeowner for the following:

  • Normal wear and tear, such as faded paint or slightly worn carpet from walking
  • Damage due to inclement weather
  • Guest injury not resulting from host/homeowner liability
  • Damage or injury that occurs outside of the Vacasa-contracted rental period
  • Property not part of the rental unit
  • Incidents not occurring in or arising from the rental unit premises

Tiered pricing for a tailored fit

You only pay the program cost on nights booked by guests:

  • For homes in the U.S.: $7 per booked night for homes with 0–2 bedrooms, and $8.54 for homes with 3+ bedrooms.
  • For homes in Mexico: $4 per booked night for homes with 0–2 bedrooms, and $8.54 for homes with 3+ bedrooms.

Accidents happen, but you’re protected

In most markets**, guests pay Vacasa a small damage waiver ($15-$35/night, depending on the size of the home) that covers accidental damage up to $3,000. To utilize the damage waiver, guests are subject to terms and conditions including exclusions for damage caused by smoking, pets, or criminal activity and damages that are unreported prior to check-out. This encourages guest accountability and helps us respond more quickly to accidental damage. Thankfully, Vacasa will cover up to $3,000 of damages associated with a paid damage waiver, whether or not the guest met the terms and conditions.

Vacation rental damage protection FAQ

Not all damage protection works the same way, but with Vacasa the first $3,000 for guest-caused damage to your home or personal property is covered with the Vacasa Damage Waiver program.

In addition, Vacasa will add to its service the obligation* to return your unit to its pre-guest-stay condition (subject to limitations and conditions). Vacasa will respond to guest-caused damage to your real property, certain guest injuries or property damage if it arises during a Vacasa contracted stay (subject to limitations and conditions). It's important to know that the Accommodation Protection Program is not intended to and does not replace an owner’s homeowners or other forms of insurance.

Vacasa recommends that Owners seek the advice of a licensed insurance agent who is qualified to evaluate the adequacy of an Owner's existing policy for the Home or an individual who can advise on procuring a new policy that provides adequate support for use of the Home as a vacation rental. Homeowners may need to consider liability or property limits higher than what can be provided by an existing plan or additional policy for risks that cannot be addressed by Vacasa’s obligations under the Accommodation Protection Program.

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You've got questions. We've got answers.

Contact our Homeowner Accounts team at 971-254-3001 or homeowner.accounts@vacasa.com to see if we'd be a good fit for you. We're available 12 hours a day, 7 days per week 6 AM-6 PM PST (9 AM-9 PM EST)

If you'd like to move forward, we’ll put you in touch with our market expert in your neighborhood to explore the financial potential of your home, outline our management fee, and introduce your local team.

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California licenses
Vacasa Seasonals Inc.
California DRE #02160171


Vacation Palm Springs Real Estate, Inc.
California DRE #01523013

Vacasa offers property management and other real estate services directly through Vacasa LLC and through Vacasa LLC's licensed subsidiaries. Click here for more information about Vacasa's licensed real estate brokerage/property manager in your state. Vacasa’s licensed real estate brokerages/property managers include: Vacasa Alabama LLC; Vacasa Arizona LLC; Vacasa of Arkansas LLC; Vacasa Colorado LLC (Micah Victory); Vacasa Delaware LLC, 302-541-8999; Vacasa Florida LLC; Vacasa Illinois LLC 481.014072, Micah Victory Managing Broker Lic# 471.021837; Vacasa Louisiana LLC, Dana MacCord, Principal Broker, ph 504.252.0155 (Licensed in LA); Vacasa Michigan LLC, 602-330-9934; Vacasa Missouri LLC, Vicki Lyn Brown, Designated Broker; Vacasa Nevada LLC; Vacasa New Hampshire LLC,45 NH-25, Meredith, NH 03253, Susan Scanlon, Broker of Record; Vacasa Minnesota, Broker: Micah Victory, license #40877637; Vacasa New Mexico LLC, 503-345-9399; Vacasa New York LLC, 888-433-0068, Susan Scanlon, Real Estate Broker; Vacasa North Carolina LLC; Vacasa Oregon LLC; Vacasa Pennsylvania LLC; Vacation Palm Springs Real Estate, Inc., California DRE #01523013, Mark Graham, California DRE #00700720; Vacasa Real Estate LLC (licensed in Texas, Debra Brock, Designated Broker); Vacasa Real Estate LLC (licensed in Washington, Robert Brush, Designated Broker); Vacasa Seasonals Inc., California DRE #02160171, Lisa Renee Stevens, California DRE #01485234; Vacasa South Carolina LLC; Vacasa South Dakota LLC; Vacasa Tennessee LLC; Vacasa Vacation Rentals of Hawaii LLC, 69-201 Waikoloa Beach Dr. Ste. #2F17, Waikoloa, HI 96738; Vacasa Vacation Rentals of Montana LLC, Terah M. Young, Licensed Property Manager; Vacasa Virginia LLC; Vacasa Wisconsin LLC; Vacasa Wyoming LLC. In Canada, this advertisement is provided by Vacasa Canada ULC, CPBC lic. number 75826, 172 Asher Rd. V1X 3H6 Kelowna, BC.

*The Accommodation Protection Program represents a contractual obligation of Vacasa to the homeowner during Vacasa contracted guest stays. The Program does not represent nor constitute a policy of insurance. The Program is not intended to replace any form of coverage or insurance policy for the homeowner. The program is subject to specified terms, conditions, and limits. Please refer to the specific disclosures for further details. The Vacasa Accommodation Protection Program (the “Accommodation Protection Program”) is offered to homeowners who contract with Vacasa to provide Vacation Rental Services and assumes certain responsibilities regarding the homeowner’s property during guest vacation rental stays at the property. Vacasa optionally assumes certain obligations and responsibilities during the Vacasa contracted guest rental stay which is then within Vacasa’s authority and discretion to manage within specified terms, conditions and limits.

**Damage waivers are currently applicable for short-term Vacasa reservations located in Alabama, Alaska, Arizona, California, Canada, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Maine, Maryland, Massachusetts, Oregon, South Carolina, Tennessee, Texas, Utah, Vermont, and Washington. We still require all guests in every market to agree to rental termsthat outline responsibility for damages, and we follow up directly in the rare instances that damage does occur outside of these states.