About Darren Pettyjohn

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So far Darren Pettyjohn has created 24 blog entries.

A Flunking Grade (F-50%) For U.S. Home Insurance Carrier Reviews

As modern consumers, we are blessed with infinite information with regards to our buying decisions. From online reviews to in depth blog articles, we can research as much or as little as we want on just about anything we purchase. Why as a society do we spend hours researching the the largely inconsequential items such as shoes or backyard patio furniture, but virtually no time researching the very consequential items [...]

By |2022-04-16T18:40:58-06:00April 6th, 2022|Short Term Rental Insurance|

Surveillance is a Bad Look for the Vacation Rental Industry

Both Airbnb & Vrbo promote their "free" liability insurance which extends to all bookings via their platforms. However, both specifically exclude violations of privacy, as seen below. EXCLUSIONS - Personal and Advertising Injury: Injury or alleged injury caused by slander, libel, violations of privacy, advertising, or wrongful eviction. If their free liability insurance does NOT COVER any potential liability exposure for invasion or violation of privacy, such as Airbnb security [...]

Airbnb’s AirCover Protection: An Honest Examination

The first thing to understand about Airbnb's Aircover protection is that is does not replace a Hosts current homeowner's insurance. It's such an important fact, it's listed as the #3 FAQ on the AirCover protection landing page, as seen below. Table of Contents: Airbnb AirCover Why call my insurance agent? Is AirCover actual insurance coverage? Does AirCover provide property protection? Does AirCover provide liability protection? What the [...]

By |2022-03-17T13:45:37-06:00November 18th, 2021|Short Term Rental Insurance|

What Is The Vacancy Clause? [Updated 2021]

Nearly all vacation rental home insurance policies have what’s called a ‘vacancy clause‘ and it’s important every owner understands its limitation.  The average vacancy rate in short-term rentals is around 30%, which is about 109 days.  Vacant or unoccupied properties pose higher risks because no one is around to identify potential problems.  What does this mean from an insurance perspective? No Coverage for Vandalism, Water Damage, and Theft If [...]

By |2021-12-21T13:13:21-07:00March 19th, 2020|Short Term Rental Insurance|

Vacation Rental Liability: What Every Owner Needs To Know [Updated 2021]

Most vacation rental owners do not fully understand the potential liability of owning a short-term rental. With over 50,000 vacation rental policies issued now, Proper Insurance® has become the nation’s leading expert in vacation rental liability claims. In this article you'll find: $1M Commercial General Liability Don't Count on Personal Umbrella Off-premise liability Bed Bugs Liquor Liability Verify Your Insurance $1,000,000 in Commercial General Liability Minimum  Most short-term rental owners carry $300,000 – $500,000 [...]

By |2021-12-20T14:39:01-07:00March 4th, 2020|Short Term Rental Insurance|

Bed Bug Insurance Coverage, Protecting your Rental from Unwanted Guests [Updated 2021]

Just like your guests, bed bugs love to travel.  Bed bugs aren’t the first item of thought when being a short-term rental owner but it’s important to understand how they can pose a risk at your rental business.  Homeowners spend an average of $1,000-$2,500 to exterminate bed bugs, but it can be as much as $5,000 in a large house.  Not knowing where your guests stayed the night before [...]

By |2022-01-24T14:28:55-07:00February 10th, 2020|Short Term Rental Insurance|

Virginia Beach Short Term Rental, Airbnb $1M Insurance Requirement

Updated 3/24/2021 Virginia Beach has consistently offered a variety of lodging options for tourists including Hotel/Motels, Bed and Breakfast Inns, Country Inns, and short-term rentals. With over 2,000 registered short-term rentals, the city designed regulations to address public and safety concerns and to protect the personality of their neighborhoods. Beginning November 1st, 2019 the regulations include the following significant items: Hosts must obtain a conditional-use permit to be renewed [...]

By |2021-03-24T09:56:07-06:00November 25th, 2019|Short-Term Rental Regulations|

How to Protect Your Short Term Rental Business: Navigating the Risk of Party Houses

Recent events have cities across the US revisiting how Short Term Rentals are allowed in their communities and debating stricter regulations to avoid increasingly common “party houses”. Short Term Rental Protection How can hosts protect their Short Term Rental business and keep neighbors and city leaders on their side? Proper Insurance recommends NoiseAware. NoiseAware is a proprietary noise monitoring system that tracks the ‘noise score’ in your home and [...]

How to Set Up Your Home to Be a Rental Property

Renting out your house instead of listing it on the real estate market is a common, and even profitable, way to hold on to your property when you aren’t currently living in it as a primary residence. Some homeowners choose this direction when they want to wait to sell when their second home’s value increases or the market turns in their favor. Others may want to come back to [...]

Boise, ID Residents Await Update on Proposed Short Term Rental Ordinance

While Boise does not currently regulate Short Term Rental properties, the city is considering adopting regulations going into 2020. Comments from the community are now closed while city officials review the proposed ordinance. (Click here to discover other cities adopting Short Term Rental regulations.) “The regulation proposes four restrictions on short terming housing: Require all new short term rental units to be approved by the city through an application [...]

By |2020-06-30T11:13:12-06:00November 12th, 2019|Short-Term Rental Regulations|
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