Vacation Rental Property Protection Plan

Vacation Rental Property Protection Plan Membership Program

Part 1:   Vacation Rental Property Protection

Part 2:   Assistance Services


Part 1- Vacation Rental Property Protection


•         This insurance is effective during Your Stay and continues until Your scheduled check-out time from the vacation rental property.

Vacation Rental Property Protection Evidence of Coverage

Virginia Surety Company, Inc.

175 West Jackson Blvd.

Chicago, IL 60604


•         We, Us, Our, or Company means Virginia Surety Company, Inc.

•         You, Your, or Member means the tenant who has:

1.       Entered into and signed the vacation rental property agreement with the Policyholder for the rental of the vacation property;

2.       Elected to enroll in and has purchased the Vacation Rental Property Protection Plan provided through the Policy; and

3.       Had the required insurance premium paid to the Company when due.

Member also includes all other persons authorized to use the vacation rental property during the Stay.

•          Damage means loss caused by the Member’s inadvertent acts or omissions or by an accident to the real or personal property of the Owner where the property is located within the vacation rental property.

•         Gross negligence means a conscious and voluntary act or omission by the Member whereby this act or omission is both likely and foreseeable to result in Damage to the real or personal property of the Owner.

•          Owner means the legal and deeded owner of the vacation rental property occupied by the Member.

•          Stay means the duration of time that begins at the actual check-in time at the vacation rental property and ends at the scheduled check-out time.

•          Policyholder means Shorewood Real Estate, Inc.

•          Administrator means Coordinated Benefit Plans, Inc., P.O. Box 20594, Tampa, Florida, 33622-0594, (800) 753-1000.



•          Upon payment to Us of the required insurance premium, We will pay, up to the limit of liability, for theft or Damage caused by a Member to real or personal property of the Owner at the vacation rental property occupied by the Member during a Stay.

•          This Evidence of Coverage is not transferable to another person or entity.



•          The maximum limit of liability for this insurance     is $3,000 aggregate per Stay.

•          This coverage is not available for a Stay greater than ninety (90) days.

•          This Evidence of Coverage must be issued to You prior to Your completing check-in and entering the vacation rental property.



This insurance coverage does not provide any benefit payments for:

•          Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood, hurricane, lightning, and earthquake).

•          Intentional acts of a Member;

•          Gross negligence or willful and wanton conduct;

•          Theft or Damage not reported in writing on the required claim form to the vacation rental property staff prior to the scheduled check-out time of Your Stay;

•          Normal wear and tear;

•          Theft without a valid police report;

•          Damages caused by any pet or other animal brought onto the vacation rental property by a Member;

•          Loss of use of the covered vacation rental property;

•          Theft or damage of any real or personal property owned by or brought onto the vacation rental property by a Member;

•          Damage resulting from any motorized vehicle or watercraft operated by a Member



•          Contact the vacation rental property staff to request the required claim form. You must submit the following documentation in writing to the vacation rental property staff prior to the scheduled check-out time of Your Stay:

1.       Completed and signed claim form;

2.       Any other documentation that may be reasonably requested to validate a claim.

•          The Administrator has the ultimate claim administration authority.


•          Concealment or Misrepresentation: Your coverage shall be void if, whether before or after a loss, You have concealed or misrepresented any material fact or circumstances concerning this coverage, the Loss, or if You commit fraud or swear falsely in connection with any of the foregoing.

•          Arbitration: In the event of a disagreement between You and Us concerning coverage, either party may make a written demand for arbitration. This must be done within sixty (60) days after the Stay. A majority decision will be binding.

•          Non-Refundable Premium. Once Your Stay commences, any and all insurance premium paid is considered fully earned and will not be refunded under any circumstances.

•          This insurance does not provide any liability protection for any property that is owed by or brought on to the vacation property rental unit by a Member.

VRPP-EOC (7-06)

Part 2- Assistance Services



In the event You require Assistance Services while traveling to or from Your scheduled Stay at Your rental property, the following services are provided to You and Your Covered Guests. The Assistance Services shall end once You have returned to Your scheduled origination point as specified on Your itinerary or travel tickets or the date Your scheduled Stay is completed.

24 Hour Emergency Assistance Services

Pre-Trip Assistance                                                      Included


Traveler’s Assistance                                                   Included


Legal Assistance                                                          Included


Medical Assistance                                                      Included


Emergency Cash Transfer                                           Included





Emergency Assistance

A 24-hour emergency telephone assistance service is available for Covered Guests so that, in the event of an emergency during Your Stay, English speaking help and advice may be furnished to You.



Pre-Trip information:

On Call can provide You with updated information on passport, visa and vaccination requirements, as well as cultural and exchange rate information.

Health Hazards Advisory: On Call can provide You with up-to-date travel advisories.

Weather Information: On Call maintains current information regarding weather conditions for both domestic and international travel destinations, which are available through On Call’s operation center.


On Call’s multilingual staff can assist You in solving a variety of unexpected complications during Your Stay, such as delivery or re-routing of misplaced luggage when checked with a common carrier or lost or stolen tickets or belongings.


Locating Legal Services: During the course of Your Stay, should any problems arise requiring legal assistance or You are arrested, detained or involved in an automobile accident, On Call can assist in contacting a local attorney or the appropriate consular officer. On Call will maintain communications with You, Your family, and employer until legal counsel has been retained by You.

Bail Bond Services: On Call can assist in securing bail bond services in all available locations.


Medical Referrals: Unexpected medical and dental emergencies can happen anywhere, anytime. You may be in unfamiliar surroundings when You suddenly need medical or dental care. If a medical emergency arises during Your stay, On Call will assist You in finding local medical care, English speaking Physicians, dentists and medical facilities worldwide. On Call can also assist You in confirming coverage and, if required, help You arrange immediate settlement of medical expenses resulting from an injury or sickness during Your covered Stay.

Replacement of Medication and Eyeglasses: On Call will arrange to fill a prescription that has been lost, stolen, or requires a refill, subject to local law, whenever possible. On Call will also arrange for shipment of replacement eyeglasses or other necessary personal medical items that may have been forgotten, lost or depleted while traveling. Costs for shipping of medication or eyeglasses, or a prescription refill, etc., are Your responsibility.

Medical Insurance Assistance: On Call can assist You by coordinating notifications to Your home Physician, medical insurers or managed care organizations and arrange Emergency Evacuation services. On Call can also assist You in verifying policy enrollment, confirming coordination of multiple insurance benefits, and handling claims paperwork flow.


If You need emergency cash during Your Stay, On Call Assistance can help arrange a fund transfer through Your credit cards, family, friends, employer or similar source if You need cash while on Your Stay.


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