VRS196 – Vacation Rental Insurance Explained with Darren Pettyjohn


Insurance may not seem the most exciting of topics but it is one that impacts every single one of us, whether it’s a single condo or multiple properties. The moment we exchange our property (or a part of it) for money, we are in business, and that brings with it all manner of risks.

In my day-to-day work as a property manager, I talk to many owners who are interested in renting out their homes and am often surprised at how little they have thought about insuring the property. Many think that their general home-owners policy will cover them for rentals without understanding the wider implications of operating in the short-term rental market, and what liability issues they may face.

In this episode of the podcast Darren Pettyjohn of Proper Insurance joins me to talk about what this means to every host and vacation rental owner.

Darren has been in the insurance industry for many years and specialises in vacation rental cover so we discuss every aspect of risk; what negligence means; when and how you could be sued, and the costs involved if you are, plus much more.

Darren shares:

  • The differences between a landlord policy and short-term rental cover
  • What premise liability means and the relevance to your vacation rental business
  • Why a home-owners policy could leave you uncovered
  • Why you are unlikely to have business loss coverage in the event of a hurricane
  • What supplemental insurance is and how it fits into the vacation rental industry
  • How short-term rental regulations can affect the insurance cover you might choose.
  • Apps that can reduce your premiums
  • The three questions you should ask your current provider – today!

You can contact Darren at Darren@proper.insure

Links mentioned in this episode:

Proper Insurance

Noise Aware

Party Squasher

Comet Home

  • Thank you Heather that was one of the best podcasts I have ever heard. I love that line “you are not covered end of story”

  • Sheldon Dick

    Darren Pettyjohn is extremely knowledgeable when it comes to vacation rental insurance. I highly recommend that anyone with any rental property insurance inquiries to direct them to Darren and the team at Proper Insurance!

  • Quam Properties

    This is a very useful article, explaining the importance and benefits of the Rental Insurance.

  • JanStevensDesign

    What a fantastic podcast…….so useful!!! Thanks for sharing it Terry Whyte on the Inner Circle.