Get quality short-term rental insurance in the U.S. Virgin Islands.

If you’re like most homeowners, your short-term rental property is a valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you use for income.

We can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

Vacation Rental Insurance
Vacation Rental Insurance

Proper short-term rental insurance

Short-term rental insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two vacation rental insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

Short-term vacation rentals don’t fit into one insurance category, so we developed a specialty short-term rental insurance policy for the U.S. Virgin Islands that covers commercial and personal use of your vacation rental.

Common vacation rental coverages

These are some common coverages you typically see on a policy:

Property Entrustment

Homeowners, landlords, and business insurance policies exclude theft, vandalism, and intentional or malicious damages to your home and contents due to entrusting your property to another party. Our custom short-term rental insurance enhancement removes this limitation, so full property coverage applies as a vacation rental.

Pet and Animal Liability

Dog bites are the second most costly liability insurance claim in the U.S., with over $1B in settlements handed out annually. Unfortunately, most insurance policies limit this coverage and exclude certain animals or dog breeds. our policies have protections for pets, so allowing guests to bring their pets isn’t a cause for concern.

Squatter Protection

The Covid-19 pandemic forever changed the work office and spotlighted mid-term rentals. Many travelers now book for 30+ days, which in most states provides tenants rights. What if a guest refused to leave and squatted at your property? Don’t worry, as our squatters coverage provides both legal and lost income protection.

Amenities Off-Premise

No vacation rental is complete without amenities for guests. Unfortunately, most policies exclude or have limitations for bikes, boats, scooters, hot tubs, golf carts, and more. Plus, the coverage is limited to your property line. We cover amenities on and off premises, so there are no concerns about how far your guests take the bikes.

Loss of Use

This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

How to Get a Vacation Rental Insurance Quote

Getting your short-term vacation rental property insurance quote in the U.S. Virgin Islands is easy. Click below to submit your information to Shield Insurance and we will be in touch shortly to discuss your coverage options.

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