Terms of Service

Agreement to Terms

By accessing or using the Damage Protection website (damageprotection.insure) and services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, then you may not access the service.

Use License

Permission is granted to temporarily access the materials on Damage Protection's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials

Damage Protection Coverage

Policy Terms

Damage Protection plans are offered by Insure Stays Insurance Group, powered by the RentalGuardian.com platform. All coverage terms, conditions, limitations, and exclusions are detailed in your policy documents.

By purchasing a Damage Protection plan, you agree to:

• Provide accurate and complete information about the covered stay and property
• Review and understand your plan's terms and conditions
• Comply with all plan requirements and claim deadlines
• Submit truthful and accurate information when filing claims

Coverage Structure

Coverage is purchased for a single guest stay of up to 30 days and does not carry over between stays or apply as a standing, per-property policy. The lodging provider (host or property manager) is the covered party; the cost of a plan may be passed through to the guest as part of the reservation price or a separate fee.

Plans and Pricing

Damage Protection offers plans with different coverage limits, purchased per guest stay at a flat price. Current plan pricing and coverage limits are shown on our Coverage page. Registered partners receive member pricing. There is no deductible — a valid claim is paid up to the coverage limit selected.

Claims

To file a claim, you must:

• Initiate your claim within 14 days of the guest's departure date, with photo(s) of the damage
• Provide paid receipts with proof of payment within 45 days of opening the claim
• Cooperate with the claims verification process
• Provide truthful and accurate information

These deadlines are strictly enforced and are not eligible for extension. Claims are guest-verified by a claims adjuster and, once approved, reimbursed at 100% of the covered expense up to your plan's coverage limit.

Partner and Member Accounts

Lodging providers and property managers may register for a partner account. Registered partners benefit from a faster purchase process, since property information can be saved to the account, and from preferred member pricing on every plan. Partner accounts must keep registration information accurate and current, and remain subject to these Terms of Service.

Payment Terms

Payment for Damage Protection plans is due at the time of purchase. We accept major credit cards and other payment methods as indicated during checkout. All payments are processed securely through our payment processors.

Refund Policy

Refund eligibility is governed by your plan's terms. Contact us for specific refund information for a given plan.

Disclaimer

The materials on Damage Protection's website are provided on an 'as is' basis. Damage Protection makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Damage Protection does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

Limitations

In no event shall Damage Protection or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Damage Protection's website, even if Damage Protection or a Damage Protection authorized representative has been notified orally or in writing of the possibility of such damage.

Links to Other Websites

Our website may contain links to third-party websites or services that are not owned or controlled by Damage Protection. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be resolved in the courts of South Carolina.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms of Service at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

Contact Information

If you have any questions about these Terms of Service, please contact us: