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Reference your master policy to understand the exact limitations on your coverage.

Reservation Protection Program – How It Works

This page explains how our insurance coverage works for short-term rental reservations. It is divided into three key flows: Coverage, Payments, and the Coverage Window.

1. Coverage Flow

Our protection activates automatically based on how far in advance the reservation was made relative to the arrival date.

• Guest Books (March 27)

  • Reservation is made 90 days before arrival.
  • Status: Not protected.

• Protected Date (April 26)

  • 60 days before arrival.

    Status: Protection begins. Reservation is now covered.

• Reservation Cancelled (June 10)

  • 15 days before arrival.
  • Status: The Reservation is fully covered under the protection plan. You are eligible for a full payout.

• Arrival Date (June 25)

  • Reservation would have started. Cancellation happened prior to this.

• Post Departure (July 10)

  • 11 days after scheduled departure.
  • Status: You receive payout the month following the scheduled departure.

2. Payments Flow

Our payment structure separates rent, fees, and taxes. The coverage does not protect taxes and fees.

Here’s an example:

• Guest Books (March 27)

  • Total Paid: $2,500

    • Rent: $2,000

    • Fees: $300

      Taxes: $200

• Protected Date (April 26)

  • The reservation becomes eligible for rent protection.

• Arrival Date (June 10)

  • First possible arrival date.

• Reservation Cancelled (June 25)

  • Cancelled on arrival day. Outside the protection window.

• Post Departure (July 10)

  • Payout: Only the rent ($2,000) is eligible for reimbursement.
  • Note: Fees and taxes are excluded from reimbursement.

3. Coverage Window

The level of protection depends on how many days in advance the cancellation occurs: