Trip insurance for Renters

[3Goofy's]

As a future renter (I hope), I will want to purchase trip insurance for the cost of the points I rent. I usually use AAA for trip insurance (or CAA for me, since I'm Canadian). They require me to provide them with some documentation within 48hrs of putting down a non-refundable deposit and usually it's an invoice, or copy of reservation. What would I have to give to AAA/CAA within 48hrs from paying an owner? Would a copy of the contract suffice? A receipt or some sort? Of course I will contact my local CAA, but I have a feeling they won't have dealt with this sort of thing often. I just want to be sure I can purchase insurance - what do other renters do?

 

[backyardponder]

I've never run into this before. My guess is renting of points from a DVC owner would not be covered. The owner is not a business and there is not much way for an insurance company to verify anything. Even if you are told by the insurance company that it is covered, I'd read the fine print very, very carefully.

 

[RobDoc]

The member will be offered insurance thru DVC but it only pays $5 per point (which would cover the member's annual fees) and does have other restrictions regarding coverage. I'd ask the member you rent from about that, but be sure to look at what is covered to make sure it will provide any protection for you. Otherwise, you would need to find coverage outside of what is offered thru DVC.

Good luck!

 

[3Goofy's]

OK, thanks for the help! I had read somewhere else (I'm not good at finding links etc), from Jim MIA, and he mentioned something about renters getting trip insurance. I'll have to go looking into this some more...