Because accidents happen—we’re here when they do.

✅ Protected**:**

• Accidental, intentional, criminal damage, or theft caused by approved guests
• Structural damage & home contents
• Furniture damage (breaks, stains, major scratches, etc.)
• Unauthorized parties (when they violate the booking agreement)
• Rental items (e.g., bikes, golf carts, kayaks) (for damage, not liability if they’re misused)
• Smoke damage (cleaning fees covered with proof of excessive smoking indoors)
• Extra cleaning fees (for severe mess beyond reasonable use—requires supporting evidence)

❌ Not Protected:

• Any damage caused by pets (except service animals)
• Authorized parties (if approved by the host, damages fall under the host’s responsibility)
• Loss of income (e.g., if a guest can’t stay due to damage, host-imposed fees, etc.)
• General wear and tear (things that naturally degrade over time like faded paint or worn carpets)
• Acts of nature (flooding, earthquakes, etc.)
• Bodily injury claims (we cover property damage, but not personal injury liability)
• Credit card chargebacks (guests disputing charges directly with their bank)
• Routine maintenance & plumbing issues (e.g., a clogged drain, HVAC failure, leaks not caused by guests)
• Bed bugs & pest infestations (coverage is available but requires strong proof linking it to a specific guest)