Are you covered by conventional travel insurance if you book accommodation directly with the property owner?

Most trip insurance policies that cover the cost of your trip against Trip Cancellation / Interruption will cover any pre-paid non-refundable amount that you have paid for a trip, like for instance, you have pre-paid in advance for a Condo in Tahoe for a X-mas trip you paid cash to the owner and at some point lets say a month before your scheduled stay the money will become non-refundable you can get a Trip Cancellation policy to cover your trip cost as long as you have proof that you have actually paid for this trip like a receipt or something like that, you will not have to proof of this when you sign up for the insurance but you will if you ever need to file a claim, but it doesn't matter if you are paying directly to the owner or to a company.

A good Trip Cancellation policy to look at is Travel Insurance Select

Link > http://www.travelinsure.com/what/selecthigh.htm?32640

this plan if provided by Travel Insurance Services located in Walnut Creek, CA in the San Francisco Bay area they have been serving individual and group travelers worldwide since 1973 and are a member of the US Travel Insurance Association and the Better Business Bureau

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