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We love to help.

Protection Package for Stays

Outdoorsy is proud to partner with the Hartford to protect the safety of our guests and hosts worldwide by some of the world’s best insurance companies.

Our partners support our mission of providing high-quality Protection Packages and services to meet the needs of the Outdoorsy community. We chose to work with these partners because they operate in a manner consistent with our values and principles.

  • Behave with integrity
  • Deliver an exceptional customer experience
  • Continuously improve and innovate
  • Execute thoroughly and seek excellence

Protection for hosts

List your Stay with confidence. Our Protection Package for Stays can be included in your bookings at no cost to you when booked through Outdoorsy. Coverage during the rental period includes:

  • Up to $1M in liability coverage
  • Free 24/7 customer support

Protection for guests

Rest assured that we have you covered. Guests are covered by the Protection Package for Stays when booking through Outdoorsy; the price is included in the nightly rate. The coverage provides guests with bodily injury protection, which includes:

  • Up to $1M in liability coverage
  • $5,000 deductible
  • Free 24/7 customer support

How the Protection Package works

A few things to understand about Outdoorsy’s Protection Package for Stays: 

  • Hosts eligible for Outdoorsy’s Protection Package for Stays enjoy liability coverage; eligible guests are covered with a bodily injury policy.
  • Coverage is provided on an excess (or secondary) basis; if there is a covered event, the property’s primary insurance—whether personal or commercial insurance—will apply first and then the Outdoorsy Protection Package will be secondary. If there is no other policy in place that provides coverage, our policy will be primary.

Important: As a host, be sure to validate that your personal insurance policy permits rentals. As an example, some homeowner and condominium association rules restrict or prohibit subletting, short-term rentals, and/or longer-term stays.

Checklist to make sure I’m properly covered before the trip starts: 

  • Insurance: If you don’t already have primary insurance, you should get the appropriate insurance for your Stay. Review the policy terms and conditions and be familiar with your coverage details and exclusions.  
  • Photos: The more pictures, videos, and documentation the better. Current photos are required for all claims.
  • Maintenance: This is a big one. You will notice that a lot of coverage exclusions mentioned in our terms of service are maintenance related. You are responsible for keeping your Stay in a safe, clean, and well-maintained condition.

How do I file a claim?

The outdoors is a beautiful place to be, but accidents do happen. As hard as we fight against it, there’s always that small chance that someone might get injured during their Stay. If this happens to you, our Protection Package for Stays is designed to help you get on the road to recovery fast. 

How do I start a claim?

All Stays-related claims are handled by our insurance partner, the Hartford, who can be reached at 1-800-327-3636.

Important: All claims must be submitted within 14 days of the trip’s end date (or before the next reservation) and current photos must be submitted.

What happens after I file a claim?

Our Protection Package for Stays differs from our RV Protection Packages because Stays are naturally a different class of asset. As a result, the claims process differs as well; claims for covered events at a Stay are handled by the Hartford. 

The claims process generally unfolds in the following way: 

  • Excess coverage: Hosts are responsible for filing a claim with their personal (or commercial) insurance carrier first. In the event your carrier denies the claim, please submit the denial letter and relevant documentation to the Hartford.
  • Gathering information: The Hartford claims team will ask for any other pertinent information to move forward with your claim. This may include a statement from your guest, proof of ownership (e.g. bill of sale, title), or any other evidence that is required.
  • Confirming coverage: Almost there! Your adjuster will review the statements, documents, photos, and all other necessary information to confirm it’s a covered loss. 
  • Payment: After their determination has been made, the Hartford will issue any payments for the covered loss. 
  • Closing the Loop: The Hartford will help handle any other outstanding issues that might be present (e.g., if a third party is involved). 

Other available protection offerings?

Trip protection can reimburse you if a covered situation (e.g. medical event or natural disaster) stops the trip before it starts.

Contact information:

Outdoorsy Customer service

  • Call us at 1-877-723-7232 Mon – Sun, 24 hours a day
  • Chat with us on Outdoorsy.com Mon – Sun, 24 hours a day
  • Email us at support@outdoorsy.com

Claims reporting

  • Call the Hartford at 1-800-327-3636
  • Email the Hartford at lossconnect@thehartford.com