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All new Damage Protection program with RentalGuardian!

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We recently announced that our Damage Protection program was changing, and today we're excited to announce the new program that will be taking its place.

In the near future, we will be adding a number of new products, both on the Damage Protection and Travel Insurance sides, but we first have been focusing on creating a drop-in replacement for the Damage Protection we have now.  And we've done just that!

We're happy to introduce a new partnership with RentalGuardian!

We are highly impressed with RentalGuardian's product lines, technology and team.  They understand the market and the customer base and can provide the same or better level of coverage that our users depend on to secure their rentals.

Our team is hard at work getting the transition in place and we anticipate announcing the transition date in the next few days.  In the meantime, here are some details we can share...


The new program will be very similar to the Damage Protection program we currently offer.  Like before, the program will follow a spread-risk model that protects you (the owner or PM), not the guest.  We continue to feel that this is the best type of damage coverage for vacation rentals as it does not require an admission of guilt by the guest and does not create a "self-selecting bad group" of guests who buy protection.

All bookings will be required to carry the protection for the properties that are enrolled in the program.  Cancelled bookings will automatically remove coverage, but you will not be able to pick and choose which bookings have it and which do not.  Accidents happen, of course, and our support team will help you remove erroneous coverage (eg. bulk-imported bookings, etc).  Like before, we highly encourage holding a security deposit on all bookings even with Damage Protection in place.

In the past, claims were filed via manual PDF and the process lacked transparency.  RentalGuardian has an online trackable tool for filing claims that will be much easier to use.

In the past, you were not allowed to build Damage Protection into your rates as a limitation of the program.  However, you will now be able to do that.  While you can't explicitly say "Damage Protection" as a line item in the guest charges, you can add a general maintenance or admin fee to cover the amount, thereby passing the cost onto the guest.

Another great feature will be a new program called Guest Option.  This program will allow you to offer Damage Protection to the guest on a booking by booking basis for a higher cost but one that is entirely passed to the guest.  If the guest purchases coverage, you will have the option of automatically skipping the security deposit (or not) based on settings.  To be clear, you will have to choose between the Spread Risk (current) program and the Guest Option.  You cannot have both programs running on the same properties.  Any Spread Risk properties will be treated separately and the guest will not be shown any options.  Guest Option is coming in early 2020 and will not be available at the transition date.

Rates and Coverage Amounts

We negotiated with RentalGuardian to keep coverage levels the same as well as adding a new $5,000 coverage level for our users who have wanted a higher level.

We also tried to keep premium amounts as low as possible while accommodating a newer carrier, better features, better technology and some small cost-of-living adjustments which we have not done in several years.

The new coverage amounts and premiums will be as follows:

Coverage Per Booking Premium
$500 of covered damage $13.00
$1,500 of covered damage $27.00
$3,000 of covered damage $45.00
$5,000 of covered damage $69.00

Transitioning Over

Again, we are working hard to make this as seamless a transition as possible.  The new program is specifically designed to be a drop-in replacement for the old program.  As such, there is nothing you have to do to transition from one to the other.  On the transition date - which we will be announcing in a few days - your current properties will be automatically enrolled in the new program and the coverage amounts will stay the same.  Continue watching our blog and your inbox for more details about the transition.

32 Comments (add yours)

Trident P
Nov 18, 2019 8:36 AM
Joined Feb, 2017 15 posts

Will there be a link somewhere for submitting?


Paul W
Nov 18, 2019 8:52 AM
OR Team Member Joined Jun, 2009 832 posts

Yes, it uses an online dashboard, not a manual PDF.

Cathy Gou
Nov 19, 2019 7:46 PM
Joined Nov, 2017 5 posts

I’m a little confused.
1. We don’t need to do anything it will be placed on our listing that we get booked direct from us. (Not other platforms)
2. We the host will be charged a fee and how much?
3. But we can put it as maintenance fee and have guest pay for it.
4. Do we get charged for the bookings from AIRBNB and VRBO?

Paul W
Nov 19, 2019 7:58 PM
OR Team Member Joined Jun, 2009 832 posts

Hi Cathy,


1) Yes, and also on bookings from other channels unless you turn that off.

2) The fee is shown in the table above where it shows the "Premium" amount

3) Yes

4) Yes if you want. You can turn it off for those channels, but we encourage it for all bookings including platform. The advertised coverage that VRBO and AIrbnb claim is different and not the same type of protection.

These answers and more can be found here:


Cathy Gou
Nov 19, 2019 8:06 PM
Joined Nov, 2017 5 posts

How do we turn it off for other channels?
How do we add a surcharge (Maintenance Fee)?
We the host pick which plan we want?

Nov 19, 2019 10:18 PM
Joined Jun, 2016 1124 posts

#2 go to settings> Surcharges and Discounts > Add a surcharge. Call it maintenance fee or whatever you like.

Trident P
Nov 20, 2019 7:24 AM
Joined Feb, 2017 15 posts

I see the new rental company is now the one that is listed on new reservations coming in but is says there is currently no link to submit a claim. What is the timeframe going to be on the link being done?


Paul W
Nov 20, 2019 8:49 AM
OR Team Member Joined Jun, 2009 832 posts

We (OwnerRez) can submit a claim for you at any time electronically, so no worries on that. We hope to have the full claims process be self-service in a couple weeks. Remember that, right now, any claims you have would still be TravelGuard based since those are the policies already purchased and filed. Practically speaking, no one should have RentalGuardian claims until a new booking that was created after Monday arrives/departs in the future. All your pre-existing bookings will continue showing TravelGuard ARDI information.

Paul W
Nov 20, 2019 8:51 AM
OR Team Member Joined Jun, 2009 832 posts

Cathy, you can turn it off on either API integrations or calendar imports in OwnerRez, specific to those channels. Go to the Damage Protection section in OR > Settings to get started and select a plan level.

William L
Nov 20, 2019 8:55 AM
Joined Mar, 2019 2 posts

Stop watching

Nov 20, 2019 10:36 AM
Joined Jun, 2016 1124 posts

question: is it possible to select different coverage amount for different properties?
Such as , for my smaller property I may want $500 coverage; larger property $1500. Can it be set up that way?

Ken T
Nov 20, 2019 11:10 AM
OR Team Member Joined Aug, 2019 1703 posts

Yes! Each property can have a different level of protection. Go to Settings > Damage Protection. That'll display a list of all your properties and the selected level for each, which you can change as desired.

Note that if you change the level of protection for a property, that will change the level for all new bookings / policies purchased going forward. It will NOT change the level already purchased for existing bookings.