Insurance programs for vacation rental property managers
One program. Five policies. Zero gaps.
Guests pay for damage coverage. Homeowners pay for liability. You keep the margins — and know exactly what everyone is covered for.
Damage Control
Stop overpaying for claims you already handle. You build the policy, set the guest-paid fee, and keep most of the revenue. Coverage up to $10,000 per incident — customized by geography and property type.
Customizable Policy Builder
Homeowner Damage Upgrades
Homeowners can add coverage above the $10,000 already covered by Damage Control.
- Contents: $10,000
- Structure: $50,000
- Deductible: $10,000
- Contents: $10,000
- Structure: $100,000
- Deductible: $10,000
- Contents: $20,000
- Structure: $1,000,000
- Deductible: $10,000
Liability Control
Every guest. Every stay. Automatically covered. Homeowners are enrolled at onboarding — no more chasing owners for commercial riders.
- Liability limit: $100,000
- Liability limit: $500,000
- Liability limit: $1,000,000
Homeowners can upload their own compliant policy to opt out. Velaris monitors third-party policies to ensure they conform to your requirements.
Your company coverage, too
Your coverage program and your company insurance — all through one partner who knows your business.
Coverage by type
Program questions, answered
What is in a Velaris coverage program?
Three layers, chosen per portfolio. Guest damage protection, funded by a fee the guest pays at booking and the manager keeps, with insurance above a retention. Per-property liability, enrolled on every home at limits between $100,000 and $1 million per occurrence. And company coverage for the management business itself: general liability, errors and omissions, cyber, workers' compensation and commercial auto. Each layer is priced on the portfolio, not on a single home.
Can I buy just one product?
Yes. Many managers start with guest damage protection or per-property liability and add layers at renewal. Because coverage is enrolled through the property management system, adding a layer later is a program setting rather than a new application.
How is a program priced?
Guest damage is funded by a per-reservation fee, typically $69 to $199 depending on the homes, with the retention and fee set against the portfolio's own loss history. Liability is priced per property per month. Company lines are rated on revenue, payroll and headcount like any business policy. At renewal the program's loss ratio decides whether terms improve.
How quickly can a portfolio be covered?
Once the property management system is connected and limits are chosen, every home in the inventory is enrolled on the launch date, and homes added afterwards enroll automatically. Certificates of insurance are generated from the dashboard, so owners, HOAs and permit offices can be sent proof on day one.
Do owners still need their own insurance?
Yes. The building and its contents stay on a policy in the owner's name. The program covers the layers the management company is responsible for: guest damage, liability during stays and the business itself. Owners are added as additional insureds, which is what most management agreements require.
Ready to build your coverage program?
Talk to us about a program that fits your portfolio — not someone else's.