Insurance Glossary

Vacation Rental Insurance policies can contain technical industry terms that make reading a challenge. To avoid confusion, the carrier as created the following list of definitions for a number of industry terms and phrases.

The following definitions are provided for informational purposes only. Please refer to your Vacation Rental Insurance Policy or Certificate of Insurance for definitions and coverages specific to your Policy/Certificate.

Home

A person's primary or secondary residence.
Origin: Vacation Rental Association

Home Owners Association (HOA)

Association responsible for the maintenance, upkeep, and financial management of common areas in certain complexes and neighborhoods.
Origin: Vacation Rental Association

HomeMinder Program (Vacation Rentals)

A co-hosting program for vacation rental owners offered by members of the Sunspots Vacation rental network, such as for cabins, condos, homes & villas.
See also: Guestminder Origin: May, William

Hospital

An institution, which meets all of the following requirements: (1) It must be operated according to law;(2) it must give 24-hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis; (3) It must provide diagnostic and surgical facilities supervised by Physicians; (4) Registered nurses must be on 24-hour call or duty; and (5) The care must be given either on the hospital's premises or in facilities available to the hospital on a prearranged basis. A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility, which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).
Origin: Vacation Rental Association

Hospitality Industry

Another term for the travel industry.
Origin: Vacation Rental Association

Host

Individual who manages their own vacation rental home
See also: Hosters, Vacation Rental manager Origin: Wm. May

Hostel

An establishment that provides inexpensive lodging often for students, workers or travelers, some in shared bed or bunk rooms, sometimes with modest individual rooms. Usually baths are across the hall. Many have bending machines and coffee service, but seldom sit down dining.
Origin: Wm. May

Hoster

Hosts homes for individual on AirBnB. Usually not a full-stack vacation rental manager
Origin: Wm. May

Hot Tub

A small pool often outdoors and accommodating 2 to 12 people who can sit in and enjoy the hot water usually 100 to 104 degrees Fahrenheit. Usually self contained including pumps, air jets, covered when not in use and treated with chlorine or similar chemical to keep the water sanitary. Also called a spa.
See also: Spa Origin: Vacation Rental Association

Hot Tub Cleaning Fee

A certain amount above and beyond the rental rate charged to renters wishing to use your hot tub.
Origin: Vacation Rental Association

Housekeepers

Those wonderful folks who clean lodging properties after guests and invitees depart. A thank less job for which gratitudes are not always given but always appreciated
Origin: Vacation Rental Association

Housekeeping

The task of cleaning lodging properties after guests and invitees have departed. Includes washing linens, cleaning all rooms, vacuuming and return the property to its condition prior to the guests arrival.
Origin: Vacation Rental Association

Housekeeping Fee

A charge to guest's account for an Out, Interim or Excessive cleaning of a vacation rental or hotel unit. When quoted fees are usually a minimum meaning guests will be charged for cleaning that is beyond normal and usual usage.
See also: Interim Clean, Out Cleaning, Housekeeping Origin: Vacation Rental Association

Icon

A facility or landmark which is visually synonymous with a destination.
Origin: Vacation Rental Association

Identity Theft Resolution Services

A service that provides assistance when your identity has been compromised while traveling on your vacation. This safeguard is automatically included for a full 180 days starting on your scheduled departure date. Identity Theft Resolution does not provide assistance for thefts involving non-U.S. bank accounts.
Origin: CSA Travel Protection

Incentive Travel

Travel offered as a reward for top performance and the business that develops, markets, and operates these programs.
Origin: Vacation Rental Association

Inclusive Tour

A tour program that includes a variety of features for a single rate (airfare, accommodations, sightseeing, performances, etc.)
Origin: Vacation Rental Association

Injury

Bodily harm caused by an Accident which: 1. occurs while your coverage is in effect under the plan; and 2. requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
Origin: CSA Travel Insurance

Inspection

The act of the owner or manager entering and inspecting a Property for the purpose of a guest's compliance with the booking agreement, terms and conditions and following of rules. Also includes housekeeping and maintenance entrance to a unit to accomplish their tasks related to the unit. Unlike long-term tenancies, owners, managers and staff are allowed, by law to enter units for such purposes upon reasonable need and without long notice.
Origin: Vacation Rental Association

Insured

An Eligible Person who arranges a Covered Trip and pays any required plan payment.
Origin: CSA Travel Insurance

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