VACATION RENTAL DAMAGE PROTECTION · POWERED BY GUESTY SHIELD
Your property, protected on every stay
Every reservation, on every channel, is covered by Guesty Shield damage protection, with no security deposit for guests, a $0 deductible for you, and no cost to you: the guest pays the protection fee on every stay. Around it, we screen guests, document the property and handle every claim.
FIVE LAYERS OF PROTECTION
No single policy covers everything. Layers do.
Each layer catches what the one above it misses. Screening prevents most problems. Documentation proves the rest. Guesty Shield, Airbnb’s program and your own policy pay for them.
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01
PREVENTS
Guest screening and ID verification
Guesty Shield verifies each guest’s ID and flags risky bookings before arrival. Party and high-risk bookings are declined.
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02
PROVES
Before-and-after documentation
Timestamped photos of the property after every turnover, so damage is provable and claims are filed fast.
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03
PAYS
Guesty Shield damage protection
Every reservation on every channel is covered up to $3,000 per stay, with a $0 deductible. The guest pays the protection fee, so it costs you nothing.
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04
PAYS
Platform protection
Airbnb stays also carry AirCover for Hosts as an extra layer. We file inside Airbnb’s 14-day window after checkout.
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05
BACKSTOP
Your short-term rental insurance
The backstop for what protection programs exclude. We help every owner confirm the right policy at onboarding.
WHAT COVERS WHAT
Plain answers on coverage
Damage protection programs pay for guest damage. They don’t replace property insurance, so we also make sure every owner carries a short-term rental policy.
| Guesty Shield Damage protection, every booking | Airbnb AirCover for Hosts Airbnb bookings | Your STR insurance Owner’s policy | |
|---|---|---|---|
| Cost to the owner | Guesty Shield $0. Guest pays a protection fee on every stay | Airbnb AirCover for Hosts $0. Included by Airbnb | Your STR insurance Annual premium |
| Stays covered | Guesty Shield Every reservation, all channels | Airbnb AirCover for Hosts Airbnb stays only | Your STR insurance All stays, per policy |
| Guest damage | Guesty Shield Up to $3,000 per stay, $0 deductible | Airbnb AirCover for Hosts Up to $3M host damage protection | Your STR insurance Per policy |
| Security deposit from guests | Guesty Shield Not needed | Airbnb AirCover for Hosts Not needed | Your STR insurance Not applicable |
| Guest injury liability | Guesty Shield Damage only. Not included | Airbnb AirCover for Hosts Up to $1M host liability insurance | Your STR insurance Per policy |
| How claims are paid | Guesty Shield Filed in Guesty with no guest confrontation; most paid within 3 business days, per Guesty | Airbnb AirCover for Hosts Guest is asked first, then Airbnb reviews case by case | Your STR insurance Per policy, deductible applies |
| Wear and tear, acts of nature | Guesty Shield Per plan terms | Airbnb AirCover for Hosts Not covered | Your STR insurance Per policy |
Coverage terms set by each provider and subject to change. Guesty Shield per Guesty’s published plan terms; AirCover per Airbnb’s. Last reviewed: [DATE].
WHEN SOMETHING BREAKS
You hear about it once, with a plan
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1
Inspect
Our team checks the property after checkout, against the last documented condition.
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2
Document
Timestamped photos, video and repair quotes, the evidence every provider asks for.
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3
File
We file the claim in Guesty Shield, with no guest confrontation, or with Airbnb for Airbnb stays.
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4
Repair
Our vendors fix it quickly so the calendar keeps booking.
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5
Report
You see the damage, the repair and every dollar recovered on your monthly statement.
Owner questions about damage
Does damage protection cost me anything?
No. Each guest pays a protection fee as part of their booking, which covers up to $3,000 in guest damage per stay with a $0 deductible. It never comes out of your payout.
Do guests pay a security deposit?
No. Guesty Shield covers guest damage on every reservation, so guests book without a deposit and we never have to chase one. That means smoother bookings and better reviews.
Does my homeowners policy cover guest damage?
Usually not. Standard homeowners policies typically exclude short-term rental activity. We’ll point you to the right type of policy during onboarding.
Who handles the claim?
We do. We document the damage, file the claim in Guesty Shield (or with Airbnb for Airbnb stays) inside the deadlines, and coordinate the repair. Recoveries show on your monthly owner statement.
What about normal wear and tear?
Damage protection pays for guest-caused damage, not normal wear and tear. Our inspections catch wear early so it’s handled as planned maintenance, not a surprise.
Protect the asset behind the listing
See how we’d screen, document and protect your property, alongside a revenue plan for it.
Luxbnb is a property manager, not an insurance company. Guesty Shield and Airbnb AirCover are provided by third parties under their own terms. This page is general information, not insurance advice.