Only a licensed insurance broker can analyze your personal or company situation, discuss your insurance needs and advise you on insurance coverage. For questions on primary homeowners, general liability, commercial or other insurance, please consult a licensed professional.

The Guest Ranger Damage & Liability Protection program is supported by an insurance policy insuring Guest Ranger, effected with certain Lloyd’s Underwriters through TERN Financial Group Inc., a Lloyd’s Approved Coverholder acting as agent for the Underwriters.

The Guest Ranger Damage & Liability program is active only while the vacation home is leased for a short-term stay and is NOT intended to replace primary homeowners insurance, commercial general liability insurance, or umbrella insurance.

Insurance policy representations herein are provided by InsureStays.  


InsureStays is a dba of Sandhills Insurance Group, LLC, a limited liability company organized under the laws of South Carolina. Sandhills Insurance Group, LLC is a licensed insurance producer in all states (NPN 16269113, California License No. 0M14453; TX License No. 2194106 and 2205876).  See for more information.