Yes, we highly recommend you do so. There are two types of vacation rental insurance that you can purchase.
One is vacation rental protection insurance for you, in case your plans change and you cannot make your vacation trip. The policy would reimburse you for all fees that are non refundable associated with your vacation rental and trip. Trip insurance offers you a relative peace of mind. For more details, information on the coverage and to obtain rate quote, see link: http://www.homeaway.com/guarantee/home.html
Another insurance available for your vacation rental is Property Damage Protection. This will protect you in case you or someone in your party causes damage to the property. This insurance will protect your security deposit and protect you from all/any fees that may be assessed due to damage of the vacation rental home. See link below for more details: http://www.propertydamageprotection.com/hatopbenefits.do;jsessionid=086D70E580FE60F1DE413F03D12A274D
This Security Deposit Protection plan covers unintentional damages to the rental unit interior that occur during your stay, provided they are disclosed to management prior to check-out.
If, during your stay at one of our Desert Hot Springs Vacation Homes, an Insured Person causes any damage to real or personal property of the unit as a result of inadvertent acts or omissions, the Insurer will reimburse the Insured for the cost of repair or replacement of such property up to a maximum benefit of $3000. Certain terms and conditions apply. Full details of the Security Deposit Protection coverage are contained in the Certificate of Insurance or Insurance Policy. The Security Deposit Protection can be purchased up to, and including at, check-in. By submitting payment for this plan, you authorize and request CSA Travel Protection and Insurance Services to pay directly the home owner of deserthotspringsvacations.com any amount payable under the terms and conditions of the Security Deposit Protection.