Short Term Secure
Temporary Housing Insurance Provided by Gallagher
Short Term Secure provides protection for guests staying in short-term housing by offering coverage that extends beyond the unit itself. The program applies to guests and their personal belongings throughout all 50 states, ensuring consistent coverage regardless of location.
This program is designed to add an extra layer of security during temporary housing stays by addressing common risks associated with occupancy. Coverage includes protection against accidental damage to the unit, coverage for personal property both inside and outside the residence, and liability protection for qualifying incidents. Together, these components help support a smoother housing experience for both guests and housing providers by reducing exposure to unexpected costs and claims.
Accidental Damage Protection
Accidental Damage Protection covers accidental damage to the unit during the guest’s stay. This includes damage to furniture, walls, countertops, and damage caused by pets.
- Coverage limit: up to $15,000
- Deductible: $250
Global Liability Protection
Global Liability Protection provides coverage for personal liability arising from bodily injury to others while staying in corporate housing. It also includes coverage for personal accidents sustained on the property.
- Coverage limit: up to $300,000
- Deductible: $250
Personal Property Protection
Personal Property Protection provides all-risk coverage for personal belongings both inside and outside the housing unit, with replacement cost coverage.
- Coverage limit: up to $50,000
- Deductible: $250
- High-value item sub-limit: $5,000
Sub-limits may apply in the aggregate for certain categories, including jewelry, fine art, cameras and related equipment, furs, computers and tablets, oriental rugs, musical instruments, and coin collections.
Claims and Documentation Requirements
- Claims must be reported within one business day after the move-out inspection
- Move-out inspections must be completed within five business days of guest departure
- Supporting documentation must be submitted within 90 days of the claim
