The Village Retreat

The Village Retreat is a beautifully appointed 3-bedroom, 2.5-bathroom Big Bear Lake cabin that comfortably hosts up to 8 guests. Guests love its combination of mountain charm and modern amenities — with a fully equipped gourmet kitchen, cozy living space with fireplace, and entertainment features like a pool table and shuffleboard. Its location is another highlight: near the lake, ski resorts, and within walking distance of the town’s Village area.

The Risk: Why Insuring a Big Bear Rental Isn’t Simple

Big Bear Lake and surrounding mountain properties come with serious risk factors. Between wildfire exposure, mountain-terrain hazards, frequent guest turnover, and heavy use of amenities, short-term rental properties face a wide spectrum of liability and property-damage exposures. Many insurers refuse to write new policies for such properties — especially rentals — or they resort to restrictive fire-only plans via programs like the California FAIR Plan.

For a property like The Village Retreat, that could mean limited or no coverage for guest liability, property damage, or business loss — a huge risk for both owner and guests.

Reviews speak for themselves

One recent guest called The Village Retreat “an incredible” stay with “breathtaking lake views,” while others consistently rate the property’s location, comfort, and cleanliness as top-tier. Airbnb+1
Whether you’re chasing winter snow, summer lake days, or a relaxing mountain getaway in any season — The Village Retreat offers a slice of Big Bear that’s hard to beat.

Twin Shield Insurance Agency: Making the Nearly Uninsurable — Insurable

Twin Shield Insurance Agency knows the Big Bear market. When The Village Retreat’s owner came calling, Twin Shield didn’t turn away like many brokers might. Instead, they:

Performed a detailed risk assessment, reviewing guest use, rental frequency, property location, safety protocols, and more.
Secured a modern rental-property insurance policy — not a fire-only fallback, but a full package covering liability, property, guest exposure, and operational risk.
Delivered real protection at a fair cost, making the rental viable and compliant with local short-term-rental requirements.

In doing so, Twin Shield proved what they always say: no property is too difficult to insure — even in a high-risk zone.

Protection Without Sacrificing Hospitality

The Value

Guests stay knowing the property is legitimately insured.
The owner avoids blind spots: liability claims, damage, guest injuries — all covered under a properly structured policy.
Long-term: having a solid insurance backbone allows rentals like The Village Retreat to operate confidently, attract more bookings (many platforms and local regulators require insurance proof), and avoid catastrophic exposure.

Final Thoughts

If you’re running — or thinking of starting — a short-term rental in Big Bear (or any high-risk vacation-rental market), don’t assume insurance isn’t possible. The story of The Village Retreat shows that with experience, market knowledge, and the right broker (like Twin Shield), even “hard to insure” properties can be fully protected.

The mountains are beautiful — but they carry risk. With the right coverage, you can enjoy the view without compromising security.

The Village Retreat: Your Cozy Big Bear Escape