SHERIDAN, WYOMING – May 12, 2025 – Whether it’s a cozy cabin in the mountains or a chic apartment by the beach, vacation rentals offer travelers an affordable and flexible alternative to hotels. But to make sure your dream getaway doesn’t turn into a costly disappointment, it’s crucial to know your rights, responsibilities, and how insurance can protect you.
Vacation Starts With the Booking — Do It Smartly
Vacation rentals come in all shapes and sizes—from budget-friendly studios to luxury villas with pools and saunas. With so many options, the trick lies in choosing wisely.
“Booking through a reputable provider can reduce the risk of unpleasant surprises on-site,” explains Sabine Brandl, a legal expert at ERGO Rechtsschutz-Leistungs-GmbH. But even on trusted platforms, travelers should stay vigilant.
When booking, be sure to:
- Read the listing thoroughly: Are towels and linens included? Are there cleaning fees?
- Confirm that the total price, including all fees, is clearly listed.
- Watch for unusually low prices—they might be too good to be true.
- Check reviews and verify the location and images through services like Google Maps.
- Be cautious if anything feels off; trust your instincts.
Know Your Rights as a Renter
Anticipation builds once the perfect vacation rental is secured. But what if it doesn’t live up to expectations?
“If the booking is made through a tour operator, they are the point of contact for complaints,” Brandl explains. However, many online bookings are directly with private hosts, which creates a rental agreement between guest and owner.
Travelers have the right to:
- A clean, functional property that matches the description.
- Written notice and reasonable time for the host to fix any deficiencies.
- Rent reduction or, in severe cases, contract termination if issues aren’t resolved.
Brandl advises documenting any problems with photos and witnesses and checking platform-specific policies on disputes. And remember: renters have a right to privacy—landlords can’t just drop by unannounced.
Responsibilities Come With the Keys
With the keys comes responsibility. Vacationers must follow the agreed terms, including:
- Only bringing the number of guests specified in the booking.
- Leaving the property broom-clean (basic tidiness).
- Respecting house rules such as quiet hours.
“Guests must adhere to the booking conditions and house rules set by the property owner,” Brandl notes.
Damage Happens — Here’s How to Handle It
Accidents can happen during a carefree vacation. A spilled drink or a broken lamp might seem minor, but damage can lead to hefty bills if you’re not covered.
“Liability insurance typically covers damage to rental property if the policy includes this type of coverage,” says Janna Poll, ERGO’s insurance specialist. However, not all policies include rental damage by default.
Poll’s expert tips for coverage:
- Check if your insurance includes “damage to rented property on trips.”
- Make sure your policy applies abroad.
- Families should ensure children under seven are also covered.
- Complete a check-in report with the host to document any pre-existing damage.
Peace of Mind for a Perfect Trip
Planning and preparation make all the difference. By understanding what to look for and how to protect yourself, you can focus on what matters—making memories and enjoying your well-deserved break.
For more helpful travel tips and advice, visit www.ergo.com/ratgeber.