Legal
Insurance Disclosures
Last updated: November 2026
About Roam
Roam provides Booking Income Protection solutions designed for vacation rental property managers and marketplaces.
Insurance coverage is arranged by Roam Insurance Services, LLC, where appropriately licensed and authorized. Roam’s technology supports reservation eligibility, coverage administration, and claims processing.
Booking Income Protection is commercial insurance intended to protect the eligible booking income of the insured property manager or marketplace. It is not travel insurance or insurance purchased by or provided to the guest.
General Coverage Information
Information provided on this website and in Roam’s marketing, sales, and educational materials is for general informational purposes only.
Descriptions of coverage are summaries and do not include all policy terms, conditions, limitations, eligibility requirements, or exclusions. Actual coverage is governed exclusively by the applicable insurance policy and related contractual documents.
Nothing in these materials modifies or expands coverage, constitutes a binding insurance quotation, or guarantees that any particular reservation, cancellation, or claim will be covered.
Coverage availability, limits, terms, and conditions may vary by state, insurance program, and insured.
Coverage Eligibility and Exclusions
Roam’s Booking Income Protection is designed to protect eligible booking income when a guest cancels a covered reservation during the applicable coverage window and the cancelled nights are not fully rebooked.
Coverage is subject to specific eligibility requirements, limitations, and exclusions, including restrictions relating to certain cancellations initiated by property managers or owners, ineligible reservations, and other events excluded under the applicable policy.
Partial rebookings, replacement revenue, and eligible losses are determined in accordance with the applicable policy terms.
Not every reservation or cancellation qualifies for coverage. The applicable policy documents govern all coverage and claims determinations.
Pricing and Quotations
Any pricing, rates, premiums, or financial illustrations presented in Roam’s marketing materials are indicative unless expressly identified as a binding quotation.
Actual pricing and eligibility are subject to underwriting review, portfolio characteristics, coverage selections, program requirements, and applicable regulatory requirements.
Additional taxes, assessments, or surplus lines fees may apply.
Marketing materials do not constitute a binding quotation or confirmation of coverage. Coverage is effective only in accordance with the terms and conditions of the applicable issued policy.
Insurers and Regulatory Information
Insurance products arranged through Roam may be underwritten by nonadmitted excess and surplus lines insurers.
Nonadmitted insurers are not licensed in the applicable state in the same manner as admitted insurers and may not be subject to all the same regulatory protections, including state insurance guaranty fund protection.
Coverage is offered only where legally permissible and through appropriately licensed or authorized entities.
The identity of the insurer, applicable licensing information, and any required state-specific notices will be provided through the applicable insurance documents or other required disclosures.
Marketing Results and Performance Information
Any customer testimonials, case studies, performance statistics, or financial projections shared by Roam are intended to illustrate particular experiences or potential outcomes.
Results may vary based on market conditions, portfolio composition, pricing strategy, cancellation policies, booking channels, and other factors.
Past performance and individual customer results do not guarantee future booking growth, revenue increases, conversion improvements, or financial outcomes.
No Guarantee of Coverage or Claims Payment
All claims are subject to review and determination under the terms, conditions, limitations, and exclusions of the applicable insurance policy.
Nothing contained in Roam’s website, presentations, proposals, or marketing materials should be interpreted as a guarantee of coverage, claims eligibility, payment amount, or payment timing.
Questions About Coverage
For questions regarding insurance coverage, eligibility, policy terms, or applicable disclosures, please contact:
This page supplements, but does not replace, any disclosures required by applicable insurance laws or regulations or the terms of an issued insurance policy.