Our Story

There has to be a better way

The story of why we built VIFO — and why owners trust us with their short-term rental coverage.

The VIFO team knows insurance — but just as important, we understand the risks of short-term vacation rentals because we are owners ourselves.

In fact, it was because of a difficult insurance claim we experienced firsthand that we decided: “there has to be a better way.”

We won’t confuse you with technical insurance speak. Our representatives explain your coverage in plain language, and our claims team is ready to respond when you need them most.

As specialists in the short-term rental industry, we leverage our knowledge and passion to make sure you and your business are adequately protected.

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Bright comfortable living room in a short-term rental home
What Sets Us Apart

Owners insuring owners

Built From Experience

Built From Experience

Our policies come from years of hands-on experience as short-term rental owners and property managers — not a one-size-fits-all template.

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Plain-English Coverage

Plain-English Coverage

No insurance jargon. Our team explains exactly what’s covered, what isn’t, and why it matters for your specific property.

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Claims Team That Responds

Claims Team That Responds

When something goes wrong, you need fast answers. Our claims team is ready and responsive when you need them most.

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