Guest Damage Insurance Comparisons

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Superhog

Superhog
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Overview

Superhog is a digital trust platform that was created by two hosts who shared similar vision of using technology to solve the trust and protection gap for millions of short-term rental hosts, operators, and guests. As of 2023, the company operates in over 25 countries and has helped with more than a million bookings.

Price

First 30 Days FREE for STR HUB Users

Guest Screening

A flat low monthly fee per listing per month.

Advanced Protection Insurance Coverage

A low per-reservation fee.

 

  • Recommended For The Following

    Individual Self Managing Property Owners – Yes

    Property Managers and Co-hosts – Yes

  • Features

    Guest Screening

    • Intelligent Guest Screening (Email, Phone, Address)
    • SUPERHOG Database Search
    • ID Capture and selfie capture – Optional to include for a small additional fee.

    Security Deposits  

    • Superhog can manage the collection and administration of security deposits or damage waivers across all your connected OTAs.

    Damage Waivers

    • As an alternative to security deposits, Superhog can collect a $35 nonrefundable damage waiver for each reservation.
    • Damage waiver funds are designed to help you build an additional pot of money, which can be used to cover small damages.
    • If excess funds are saved you are free to take the surplus as extra revenue.

    Advanced Guest Damage Insurance Coverage – Covers larger claims ranging from $500 to $5,000,000.

    • Coverages
      • Guest property damage
      • Guest damage due to theft
      • Guest damage to belongings
      • Guest damage to common areas
    • Exclusions
      • General wear/tear and cosmetic damage
      • Bodily injury suffered by a guest or host
      • Damage not caused by a guest

    Chargeback Protection – Damage deposits and waiver payments are protected with 3D Secure to remove the risk of chargebacks.

    Rental Agreements  – Yes, Superhog can facilitate guests signing your rental agreement.

    PMS Integrations – Yes, integrates with the following:

  • Pros
    • Superhog is a trusted solution for vetting guests and adding another layer of protection for your property.
    • You can use Superhog even if you don't use property management software.
    • Handles both guest vetting and supplemental insurance for each reservation.
    • Advanced damage insurance covers up to $5,000,000 for one flat fee.
    • Superhog is available worldwide and supports multiple languages.
  • Cons
    • Contents coverage is limited to $150,000.
    • Superhog coverage is only for guest damages. It does not provide liability coverage or pay for property damages unrelated to guests, such as storm damage, mechanical failures, etc.
     
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Waivo

Waivo
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Overview

Say Goodbye to Security Deposits. Say Hello to Waivo.

Are you tired of processing security deposits for every guest? Worried about time-consuming claim processes and retaliatory guest reviews when damage occurs? Waivo is the perfect solution for you. Waivo is a damage protection program for vacation rental owners, operators, and managers. Waivo is a sister company of Proper Insurance®, Vrbo’s preferred homeowner’s insurance vendor.

Waivo Damage Protection Program Highlights:

  1. No Guest Communications
  2. Broadest Coverage with Per Booking Rates
  3. Dedicated Sales & Service Manager
  4. Direct to Manager Model
  5. Express Reimbursement

Price

Waivo’s program features coverage limits between $1,500 and $20,000, with rates as low as $15 per booking.

Hosts and property managers have the option to mark up the cost to industry standard pricing of between $39 and $79 and generate significant additional revenue.

Contact Waivo for a custom quote.

  • Recommended for the Following

    Wavio was created with property managers in mind allowing them to offer peace of mind protection to their owners, a seamless solution for their guests, and an additional revenue source for them.

     

    Individual Self-Managing Property Owners – Yes

    Property Managers and Co-hosts –  Yes

  • Features

    No Guest Communications

    • Allow managers to quickly settle damage issues through Waivo without communicating with the guest.
    • No third parties or OTA are involved in the settlement.

    Broad Protection With Per Booking Rates

    • Waivo is a guest damage waiver product that is purchased on a per-reservation basis.
    • Waivo covers guest damage, whether it’s accidental or not.
    • Each reservation is automatically covered up to the manager’s set program maximum, ranging from $500 in damage to $20,000. This cost can be passed on to the guest.

    Dedicated Sales & Service Manager

    • Waivo clients are assigned an Account Manager as their primary point of contact.

    Direct to Manager Model

    • Waivo works directly with managers, and there is no third-party involvement.

    Damage Claims Process and Express Reimbursement

    • Document damages via photos or videos.
    • Submit documentation online.
    • Receive the settlement.

    Revenue Source

    • Waivo puts money directly into the pockets of property managers.

    Customer Support

    • Dedicated service managers are available by email and phone.
  • Pros
    • Allows managers to quickly settle damage by easy documentation without the need to communicate with the guest to avoid negative feedback.
    • Available throughout the United States.
  • Cons
    • Currently, Waivo does not integrate with any property management software companies. This requires reservation information to be entered manually when submitting a claim, and a reservation report must be submitted to Waivo once per month.
    • Waivo is only available in the United States.
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Safely

Safely
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Overview

Safely protects short-term rentals with rigorous guest screening and robust insurance coverage up to $1 million. We provide peace of mind to homeowners and property managers as they grow revenue, optimize operations, and provide a superior guest experience.

 

 

 

Price

As low as $5.95 per night. Coverage limits vary according to the plan you choose.

  • Recommended For The Following

    Individual Self-Managing Property Owners – Yes

    Property Managers and Co-hosts – Yes

  • Features

    ID Authentification – Yes

    Biometric Confirmation – Yes

    Guest Damage Insurance Coverage – Yes, up to $1,000,000 in coverage.

    • Structural Property Damage
    • Bodily Harm
    • Property Contents up to $25,000

    Security Deposit Management – No

    Guest Check-In – No

    Chargeback Protection – No

    Background Checks – Yes, a background check can be done for every primary guest to screen for:

    • Criminal checks
    • Global watchlists
    • Sex offender registries
    • Identity fraud
    • SafelyScreen, is Safely’s proprietary methodology to assess guest risk scores and reservation risk scores.

    Information Gathered for Background Checks

    • Name
    • Date of birth
    • Address
    • Photo ID

    Rental Agreements with Digital Signatures – No

    Coverage Exclusions

    • Force majeure: uncontrollable events such as war, labor stoppages, or extreme weather, etc.
    • Uninsured periods: Since the Safely insurance is tied to each reservation, the periods between guest stays do not have coverage from Safely.
    • The loss cannot be tied to an insured rental.
    • Damage not caused by the guest.
    • Damage caused by: weather, normal wear and tear, and formal events.
    • Liability related to the use of
      • Pets (including bites)
      • Viruses
      • Bacteria
      • Invasion of privacy
      • Injuries a guest causes to another guest
      • Damages a guest causes to neighbors
      • Property not maintained by the named insured.

    PMS Integrations – Integrates with the following:

    Additional Information

    • Coverage extends to the homeowner, property manager, and guest.
  • Pros
    • Offers different levels of coverage to meet every host or PMs needs and budget.
    • Claims can be filed up to 60 day after guests depart.
    • Integrates with a broad range of property management software so coverage can be automatically added to each of your reservations.
    • Claim submission process is easy: take photos, submit the claim, and await payment.
    • Claims less than $1,000 are usually paid in one business day.
    • Handles both guest vetting and supplemental insurance for each reservation.
    • Available in all 50 states, Puerto Rico, and the US Virgin Islands.
  • Cons
    • Does not offer chargeback coverage.
    • Users should be aware of coverage exclusions.
    • Not available outside the United States.
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InsuraGuest

InsuraGuest
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Overview

InsuraGuest is an innovative insuretech company providing digital insurance solutions and specialized insurance coverage to vacation rental property managers. InsuraGuest offers your visitors accident and health insurance in addition to property damage insurance for things in your vacation rental.

Price

Insuraguest has two coverage levels offered for a flat monthly fee.

$60/mo.

  • Accidental Medical: $10,000
  • Property Damage: $10,000
  • Theft Coverage: $2,500

$90/mo.

  • Accidental Medical: $25,000
  • Property Damage: $25,000
  • Theft Coverage: $2,500

  • Recommended for the Following

    Individual Self-Managing Property Owners – Yes

    Property Managers and Co-hosts –  Yes

  • Features

    Available Coverages

    • Accidental Medical
      • Up to $25,000 ($90/mo subscription) or $10,000 ($60/mo subscription) medical benefit for when guests incur injuries during a stay.
    • Theft
      • $2,500 coverage / $500 deductible.
      • Coverage for when items come up missing during a guest stay.
    • Comprehensive Coverage
      • Covers gaps between guests 365 days a year.
      • Quick and efficient claims processing.
      • Pre-integrated with top PMS systems.
      • Easy to use.
    • Property Damage
      • Up to $25,000 for the $90/mo subscription or $10,000 for the $60/mo subscription of property damage coverage with only $100 deductible for when your property gets damaged during a guest stay.
      • Repair or replacement cost coverage for your home’s contents.
      • Property damage caused by a guest.
    •  Death
      • $5,000 coverage / $0 deductible.
      • Coverage for accidental death or dismemberment.

     

    Cost Sharing

      • Bill your guests a small insurance fee per reservation, or per night to help lower your costs, and increase your profits.
      • Replace cumbersome security deposits guests hate to pay.

     

    Claims Process

    • Most claims are paid within 72 hours.
    • Insufficient information regarding a claim may delay the processing of the claim by InsuraGuest or may result in the denial of the claim.

     

    Integrations/ Partners

     

    Customer Support

    • Email and phone

     

  • Pros
    • Up to $25,000 in no-fault accidental medical benefits when guests are injured during a stay at your property.
    • Most claims are paid within 72 hours.
    • Insuraguest integrates with numerous PMS platforms and OTAs.
  • Cons
    • Insuraguest pays a predetermined fixed amount for the repair or replacement of items in your property regardless of the actual cost to repair or replace the items. Properties with high-end decor and furnishings may not receive sufficient payment to cover the true cost to repair or replacement costs.
    • Be sure to ask for a copy of the Accidental Medical Summary of Coverage for both the $10,000 and $25,000 policies so you can be aware of the scope and limitations of coverage and determine if it provides adequate coverage for your needs.
    • Medical expenses could quickly exceed the $25,000 maximum offered by Insuraguest.
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Chekin

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Overview

Chekin provides a cutting edge solution that automates the entire guest registration process, allowing STRs to save time, enhance operations and enhance the guest experience.

A white-label, no download guest-app suitable for all accommodation types: STRs, hotels, villas, serviced apartments, campings and glampings.

Price

Pricing Plans

Basic
 4€/month/ property if billed annually
Custom
 4€/month/ property if billed annually
Enterprise
 Contact Sales support
  • Recommended for the Following

    Chekin is suitable for any STR independent of their size.

    Individual Self Managing Property Owners – Yes

    Property Managers and Co-hosts –  Yes

  • Features

    Online Check-in 

    • Offer guests a smooth and easy online check-in in-brand experience from the comfort of their homes. 
    • Once the reservation is confirmed, guests will receive a link leading them to online check-in, where they will complete the registration process. Easy, fast, and simple. 
    • A fully automatic process – all the information will be synchronized and updated on the same platform. 

    Identity Verification 

    • Chekin offers the most advanced biometric match technology, which will allow you to verify the identity of your guests remotely at any time. 
    • Verify the guest’s identity to ensure that the documentation provided corresponds to the person accessing your properties.

    Upselling & Experiences 

    • Promote add-ons during the online experience to boost revenue with every reservation.
    • Showcase all your offers and experiences through a web app available at any time, from check-in to check-out.
    • Generate extra revenue and elevate the guest experience at key touch points of the guest stay.

    Self Check-in 

    • Say goodbye to lines and managing key deliveries. Upon completing online check-in, guests receive a virtual card for easy and autonomous access.
    • Allow guests to access independently via smart lock integration, smart box, and physical keys you leave at a nearby store for guests to collect.

    Legal Compliance & Police Reports

    • Automatically send guest registration slips to the authorities and ensure all legal boxes are checked.
    • Allow guests to scan and sign all needed contracts before arrival. You can customize it for each of your properties.

    Tourist Taxes

    • Checkin software automatically calculates the tourist rates for any country or region worldwide.

    Guest Communications

    • Send automated marketing emails at key points of the guest journey to engage with guests and generate positive reviews.

    Damage Protection

    • Include online deposits or damage protection as an additional step in the online check-in process to safeguard your properties from any unplanned repair costs.
    • There is no minimum or maximum deposit amount. You can choose the amount that aligns best with your strategy.
    • The damage protection program offers a zero-deductible coverage and protects against accidental and intentional damage caused by guests.

    Payments

    • Manage and automate all your guests’ payments from the Chekin dashboard.
    • You have the option to configure payments through mandatory or optional online check-in.

    Additional Features

    • Reports and ROI
    • Digital guidebooks
    • Fully integrated with most major property management software companies and tech stacks.

    Integrations
    PMS

    Remote Access

    • Yacan Smart
    • Keynest
    • omnitec
    • Nuki
    • TTLock
    • Keycafe
    • akiles
    • homeit
    • RemoteLock
    • Vera
    • Yale
    • Schlage
    • Kwikset
    • LifeSafety Power
    • HID
    • igloohome
    • UniKey
    • August
    • Mercury Security
    • Alfred
    • Emtek Assa Abloy
    • Progress OpenEdge
    • Mondise
    • Salto
    • Elea Open
    • Keyless (coming soon)

    Partners

    • Abal Consulting

    Customer Support:

    • Personalized support via email, educational webinars and email communications.
  • Pros
    • A white-label, no-download guest app that cuts check-in times by 87%
    • Trusted by 50,000+ properties worldwide
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Guardhog

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Overview

Guardhog is rental damage insurance built specifically for Airbnb and home-sharing. It’s market-leading and provides buildings, contents, and liability protection. You can choose from monthly, annual, or pay-as-you-go policies.

Price

  • Recommended for the Following

    Individual Self-Managing Property Owners – 

    Property Managers and Co-hosts –  

  • Features

    We’re not quite ready to publish our review of Guardhog.

     

    Please write a review below and share your experience with Guardhog.

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Rental Guardian

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Overview

Rental Guardian is an insurance distribution platform that serves the vacation rental industry. Its products offer complete protection for renters, travelers, and property managers. They partnered with insurance & technology professionals to develop travel protection products that integrate with property management software.

 

 

Price

  • Recommended for the Following

    Individual Self-Managing Property Owners – 

    Property Managers and Co-hosts –  

  • Features

    We’re not quite ready to publish our review of Rental Guardian.

     

    Please write a review below and share your experience with Rental Guardian.