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Damage Protection - Common Issues & Questions

We offer an Damage Protection insurance product which covers minor damage to your property. This sounds similar to the guarantees offered by some channels like VRBO, but isn't - you are the insured, not the guest, and the guest has nothing to do with whether or not your claim is honored.  Read more about it in our Damage Protection overview article.

This article provides a list of common questions and answers about Damage Protection that are not covered elsewhere.

Does the insured property, guest, or property owner have to be in the United States?

No. Damage Protection can be used for any property worldwide and the owner or manager (i.e. you) can be a citizen of any country.

Long-term bookings (30+ day stays)

Damage Protection will cover damage for long-term stays. However, each 30 day period requires a separate policy. So a 31-60 day booking would require 2 policies, a 61-90 day booking would require 3 policies and so on. There is no limit to the number of months that can be purchased or how long the stay can be. If you have 31+ day stays that need to be covered, these policies will automatically be set up and charged.

When exactly does the coverage begin?

The coverage takes effect on the date and time the guest checks in as a registered guest at the Rental Property, provided the appropriate plan cost has been paid before check in.

When exactly does the coverage terminate?

The coverage ends on the earlier of: (1) the normal check-out time on the guest's scheduled check-out date from the Rental Property; or (2) the actual departure date of the guest from the Rental Property. In other words, if they leave the property early, the coverage ends when they leave.  If they leave the property late, the coverage ends when they should have left.

Do I have to pay for all of the pre-existing bookings that were in place prior to turning on Damage Protection?

When you turn on Damage Protection, it starts working on bookings from that point forward. You can (optionally) choose to add it to pre-existing bookings, but you have to do that one by one. If you have a lot of pre-existing bookings, contact us and we'll bulk-update them for you.

When the property is blocked-off for personal use, or for the owners to stay, do we have to pay for the insurance for that stay?

Damage Protection only applies to bookings, not blocked-off times. So just create a blocked-off time and it won't apply. If you create a booking for an owner or personal use, contact support.

I already have damage protection via my channels (VRBO, Airbnb)

it's important to understand the differences between the products.  The RentalGuardian Damage Protection product that is bought through OwnerRez covers you as the PM/owner and the guest is irrelevant.  Whether they admit fault or not doesn't matter - you are the insured party holding the policy.

Guests can choose to buy their own damage protection many other ways.  Even if channels didn't offer this on their booking page, the guest could still shop for damage protection through other ad-hoc carriers or online services.  But what they buy really covers them, not you - any claim involves their admission of guilt and cooperation.

Therefore, it is a lot less important/valuable to you than the RentalGuardian product that actually covers and pays you.

Even if guests purchase damage protection from a channel or some other source, it doesn't matter - where possible, you should still require a credit card on file and/or refundable security deposit, because that's the only way that you can be sure you will get paid in case of damages.

Should you need to charge the guest for damages, the coverage they purchased is useful to them - they can take your bill, file a claim against their policy, and get reimbursed.  But that's irrelevant to you.

If I turn off Damage Protection / close my OwnerRez account / sell a property, will my existing Damage Protection policies that I've paid for be cancelled?

No! Legally, each individual Damage Protection coverage policy for a specific booking is its own individual insurance policy, with its own legal existence.

  • Turning off Damage Protection on your account does not cancel any policies already purchased, it just prevents any new ones from being created.
  • Similarly, if you close your OwnerRez account, any Damage Protection policies already purchased continue in effect.  You can make any claims against them directly with the insurance company.
  • If you sell your property to someone else and the bookings transfer over to them, any Damage Protection policies already purchased can transfer to them as well.
  • If your property is taken out of service for any reason, and you cancel future bookings, any Damage Protection policies purchased for them will automatically be cancelled and you'll be credited for their cost.

Does Damage Protection insurance cover damage caused by pets?

Pet damage is covered only if the property is specifically documented in your Rental Agreement as being pet friendly.  Otherwise, it is excluded from the policy.

Does Damage Protection insurance cover damage to linens?

No, damage to linens is specifically excluded from the policy.