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Tuesday, March 10, 2026
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Cover Genius & HomeToGo Provide Embedded Protection for Short-Term Rentals

Cover Genius, the leading insurtech for embedded protection, today announced it is partnering with HomeToGo, the marketplace with the world’s largest selection of vacation rentals, to simplify the short-term rental experience with comprehensive embedded protection.

The partnership between HomeToGo and Cover Genius coincides with the winter high season to provide an extra layer of flexibility. By integrating XCover, Cover Genius’ award-winning global insurance distribution platform, HomeToGo is able to provide seamless protection to enhance the vacation rental booking experience.

Dr. Patrick Andrae, Co-founder & CEO of HomeToGo: “Protection for rentals is especially relevant in today’s landscape – having been underpinned by trends coming out of the pandemic, flexibility remains top of mind for many customers. For example, our own survey data shows that 54% of respondents purchased travel protection within the last year1, indicating a consumer appetite for increased flexibility. We’re excited to partner with Cover Genius to offer protection that is seamlessly integrated into the rental experience.”

Angus McDonald, Co-founder & CEO of Cover Genius: “There is a massive opportunity for short-term rental sites that interact with both sides of the marketplace (i.e. renters and hosts) to offer convenient, customer-centric protection throughout the entire rental journey. We’re honored to help HomeToGo, the world’s largest vacation rental marketplace, offer peace of mind to its customers with tailored protection that is seamlessly embedded in the booking path.”

Embedded protection is now available across several HomeToGo markets including Austria, France, Germany, Italy, Switzerland and The Netherlands. With an entirely digital claims process, Cover Genius’ intuitive customer experience is rare in the insurtech market, exemplified by a post-claims NPS of +65‡ , one of the highest independently monitored scores for any insurance company worldwide.

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