What Damage Protection Covers — and What It Doesn't

The one-sentence answer

Damage protection covers accidental damage to the rental unit or its contents during a covered stay.

Everything else in this guide is detail on that one sentence: what counts as an accident, what's excluded, what the limits and prices are, and what happens when you need to file a claim.

Whenever you're weighing whether a scenario is covered, that sentence is the test to run it against: did it happen by accident, to the unit or something inside it, during a stay you had a plan on? If both hold, the plan is built to pay for it.

Covered: the five examples

The program covers accidental damage to the rental unit or its contents. The examples are specific:

• Accidental broken glassware or lamp
• Accidental broken furniture
• Accidental carpet spill
• Accidental furniture or carpet tear
• Accidental broken or damaged appliances

The program describes the covered accidents in three buckets: a guest knocks over a lamp or a piece of glassware and it breaks; something spills on the carpet or the furniture; or a guest drops a skillet on a glass cook-top, and what's left is a replacement, not a repair — hundreds of dollars gone in one moment at the stove.

Not covered: the nine exclusions

The program covers accidental damage only. It does not cover:

• Gross negligence or willful destruction of property by renter and members of their party
• Pet damage
• Damage to rental unit or contents by someone not part of the reservation
• Damage to rental unit or contents by homeowner
• Damage to rental unit or contents outside of the booking period
• Damage to common areas not part of the rented unit
• Damage caused by motor vehicles
• Damage to golf carts
• Normal wear and tear

If a loss you're looking at falls on this list rather than the covered list above, it's outside what the plan was built to pay for.

Limits, prices, and the 30-day rule

Two coverage tiers, at retail or partner pricing. $59 covers up to $1,500 of accidental damage; $79 covers up to $3,000. Once you're registered as a partner, the same tiers cost $49 and $69.

Coverage is for a single guest stay of up to 30 days — that's the maximum length a plan covers, not a suggestion. And it's per stay, not per property: a plan you buy covers the one reservation it was purchased for, not every future booking at that address.

You buy the plan at the time of reservation. $59 covers up to $1,500; $79 covers up to $3,000. Registered partners pay $49 and $69. Both tiers cover the same accidents, and neither carries a deductible — the price and the limit are fixed at purchase, no surprises once the stay is underway. Compare the two tiers on the Coverage page .

No deductible

There is no deductible. The full amount of the claim is paid up to the coverage limit selected.

That means you aren't absorbing the first part of a loss yourself before the plan starts paying. A small repair and a repair near the plan's limit are both paid in full, as long as they fall within the limit on the plan you bought for that stay.

It's also one less number to negotiate with a guest. There's no threshold to clear before the plan pays, and no percentage held back once it does — the calculation is the cost of the covered loss against the limit you selected, nothing more.

When something breaks

Filing a claim runs on two fixed deadlines. You have 14 days from the guest's departure to initiate the claim, and it has to include photos of the damage. From there, you have 45 days from when you opened the claim to provide paid receipts with proof of payment. Neither deadline extends — the dates are strict either way.

Once a claim is filed, a claims adjuster guest-verifies it before it moves to payment. When it's approved, you're reimbursed 100% up to the limit of the plan you bought for that stay.

The two deadlines are worth building into your own process: photograph the damage and open the claim before the 14-day window closes, then get the unit repaired or the item replaced and gather your paid receipts well inside the 45-day window that follows. Neither deadline can be extended once it's passed, so treat both dates as fixed from the moment the guest checks out.

Start a claim on the Claims page → , or review the full coverage details on the Coverage page → .