Protect Your Property
The Damage Protection program ensures your property is shielded against unforeseen damages, giving you confidence in your investments.
The Damage Protection Program: Tailored Coverage for Short-Term Rentals
Traditional homeowner’s insurance often falls short when it comes to the specific risks of short-term rentals. That's why Ross Stays Damage Protection offers a specialized solution designed exclusively for properties listed on direct booking sites and online travel platforms. Our approach blends state-of-the-art automation with a team of industry experts, delivering a fast, transparent, and stress-free claims experience. Forget the headaches of long claims processes—enjoy peace of mind with efficient and fair resolutions every time.
Up To 1M Coverage
Covers damages up to $1 million USD, giving peace of mind
No Large Deposits
Eliminate the need for hefty security deposits
Host Protection
Protects your property while you host guests
Guest Confidence
Guests can stay worry-free knowing they're covered
- Unintentional guest damage
- Stained linens
- Smeared towels
- Damage done by guests to your property, like furniture, lamps, appliances, dishes, and cookware.
- Unsolicited smoking damage
- Unapproved party damage
- Delivery expenses of replaced items
- Cosmetic or Normal Wear and Tear
- Pet Damage (Excluding Service Animals)
- Maintenance and Routine Upkeep Expenses
- Host-Approved Parties or Events
- Acts of Nature (e.g., Weather-Related Damage)
- Damages Not Caused by a Guest During a Booking
- Bodily Injury, Lost Income, or Alternative Accommodation Costs
Key Benefits:
- Comprehensive Coverage: Enjoy robust protection against accidental damages, ensuring repairs and replacements are handled swiftly and efficiently
- Streamlined Claims Process: In the event of damage, our easy-to-use claims system helps you report and resolve issues quickly—so you can get back to welcoming guests without the hassle
Simplified Fixed Pricing
With the Damage Protection Program, you only pay when your property is booked—keeping costs aligned with your rental income. Our One Size Fits All Model offers a hassle-free, transparent pricing solution for every home.
One Flat Rate: $8 Per Booked Night.
- Automatic Enrollment: Once you are signed up with us we automatically enroll you for instant peace of mind—no extra steps required.
- Opt-Out Anytime: You can opt out at any time with just seven (7) days’ notice via email—no hassle, no pressure.
Enhanced Guest Screening and Verification You Can Trust
At Ross Stays, we leverage a globally trusted, state-of-the-art third-party software to provide comprehensive guest screening and verification. This advanced technology and stringent process helps ensure that every guest meets our high standards, protecting your property and offering peace of mind.
What the Screening Process Includes:
- Identity Verification: Cross-checks guests' official identification to confirm authenticity.
- Background Checks: Screens global databases for any history of fraudulent behavior or prior incidents.
- Sex Offender Registry Screening: Complies with U.S. regulations by cross-referencing guests against the national sex offender registry.
- Digital Footprint Analysis: Analyzes email addresses, phone numbers, and online profiles to validate the guest's identity and credibility.
By leveraging a trusted third-party provider, Ross Stays offers enhanced protection for your property and community, ensuring a secure, seamless booking experience that elevates the safety and success of your short-term rental investment.
Additional Protective Measures
To enhance the protection of your property, Ross Stays implements a damage waiver fee in most markets charged to the guest. This nominal, non-refundable fee—typically ~$35 waiver or the equivalent in their currency, depending on your home’s size—provides additional coverage for accidental damages up to $500 USD.
- Guest Contribution: Guests pay the damage waiver fee as part of their booking, securing coverage for unintentional damages that may occur during their stay.
- Streamlined Claims Process: In the event of damage, our easy-to-use claims system helps you report and resolve issues quickly—so you can get back to welcoming guests without the hassle.
- Encouraging Responsibility: By incorporating this fee, we promote guest accountability and ensure prompt reporting of any mishaps, allowing for swift and efficient resolution.
- Additional Layer of Protection: The Damage Waiver fee is separate from the Property Protection Program and serves as an extra safeguard for your property. While the Property Protection Program offers comprehensive coverage for significant incidents, the Damage Waiver provides quick, hassle-free coverage for minor, unintentional damages, enhancing overall security and peace of mind.
Rest assured, with the Damage Waiver, your property is safeguarded, providing you with additional peace of mind while offering guests a worry-free experience.
For comprehensive terms and conditions, please refer to the Damage Waiver Policy.
Flexible Coverage Amounts
Various Damages
The Damage Protection Program ("DPP") shields you from accidental damages.
Coverage Range
Protect the booking to up to $500-$1,000,000 in damages. Furthering your peace of mind.
Fast Response Time
Once damages are reported the resolution response time is within just a few business days.
Frequently Asked Questions
What is the difference between Damage Protection and a Damage Waiver?
Damage Protection provides comprehensive coverage for significant damages to your property, offering protection up to $1 million USD. This coverage is enabled through the guest screening process and offers peace of mind for property owners. This is only enabled when guests are screened using the additional guest screening software.
A Damage Waiver, on the other hand, is a small, non-refundable fee charged to guests (e.g., ~$35 per night) that covers minor accidental damages up to $500 USD. This waiver encourages guest accountability and allows for quick, hassle-free resolution of accidental incidents.
What is the Damage Protection Program?
The Damage Protection Program: Tailored Coverage for Short-Term Rentals
Traditional homeowner’s insurance often falls short when it comes to the specific risks of short-term rentals. That’s why the Damage Protection Program offers a specialized solution designed exclusively for properties listed on direct booking sites and online travel platforms. Our approach blends state-of-the-art automation with a team of industry experts, delivering a fast, transparent, and stress-free claims experience. Forget the headaches of long claims processes—enjoy peace of mind with efficient and fair resolutions every time.
What is a Damage Waiver?
In many markets, guests pay a modest damage waiver—usually around the ~$35 waiver or the equivalent in their currency, based on the size of the home—that even more additional coverage for accidental damages up to $500. To qualify for this protection, guests must adhere to a set of terms and conditions, which include exclusions for damages resulting from smoking, pets, criminal activity, or any incidents that go unreported prior to check-out. This framework not only promotes guest accountability but also facilitates a faster response when accidental damage occurs.
Are guests automatically charged a Damage Waiver fee?
In most markets, guests are either automatically charged a Damage Waiver fee as part of their booking process or are sent through a process where they select the damage waiver to be charged. This fee covers minor accidental damages up to $500 USD, providing an additional layer of protection for your property. The waiver fee is transparent to guests and helps foster responsible behaviour during their stay.
Are there any exclusions to the coverage under the Damage Protection Program?
Yes, certain exclusions apply. The Damage Protection Plan does not cover:
- Cosmetic damage
- Pet damage (excluding service animals)
- General wear and tear
- Management fees
- Maintenance expenses
- Damage from a party that took place with the host’s consent
- Unpaid booking
- Acts of nature
- Damage not caused by a guest during a booking
- Bodily injury or loss suffered by the host or guest
- Alternative accommodation cost
- Interruption of business or a loss of income
What types of damages are covered?
The Damage Protection is designed to cover a range of accidental damages, including:
- Unintentional guest damage
- Stained linens
- Smeared towels
- Damage to property items such as furniture, lamps, appliances, dishes, and cookware
- Unsolicited smoking damage
- Unapproved party damage
- Delivery expenses for replaced items.
Coverage details and limits are determined on a case-by-case basis, depending on the nature and cause of the damage.
How are guests informed about the damage waiver fee?
The damage waiver fee is transparently included in the booking process. Guests are informed of this nominal, non-refundable fee—typically around $35 per booking—during reservation, ensuring they are aware of the coverage and its benefits.
How do I file a claim if damage occurs?
The management team helps takes care of the claims process. They handle everything—from collecting photos and documentation to communicating with guests and submitting the claim. If further documentation is needed, they will reach out to you directly.
How does the Damage Protection Plan benefit property owners?
The plan offers several advantages to property owners:
- Financial Security: Coverage for accidental damages with the damage waiver of up to $500 USD, reducing out-of-pocket expenses.
- Guest Accountability: The inclusion of a damage waiver fee encourages guests to take responsibility for their actions.
- Streamlined Claims Process: Efficient handling of claims ensures minimal disruption to your rental operations.
- Elimination of Security Deposits: Removes the need for collecting and managing large security deposits, simplifying the booking process.
Can property owners opt out of the Damage Protection Plan?
Yes, while enrollment in the Damage Protection Plan is automatic upon signing up with Ross Stays, property owners can opt out at any time by providing seven (7) days’ written notice via email.
Is the damage waiver fee refundable to guests?
No, the damage waiver fee is non-refundable. It serves as a protective measure to cover potential accidental damages during the guest’s stay.
How does the Damage Protection Plan enhance the guest experience?
By incorporating the damage waiver fee, guests can enjoy their stay without the burden of hefty security deposits. This approach fosters a worry-free environment, allowing guests to feel more comfortable and at home during their visit.
Where can I find the full terms and conditions of the Damage Waiver Policy?
For comprehensive details, please refer to the Damage Waiver Policy, which outlines all terms, conditions, inclusions, and exclusions associated with the plan.
How does the guest screening process enhance property protection?
The guest screening process evaluates potential guests before accepting bookings. This process helps identify risks by analyzing factors like rental history and background checks. By screening guests, we reduce the likelihood of damage and ensure only trustworthy individuals stay in your property.
How are claims processed for damages over $500 USD?
For damages exceeding the $500 USD covered by the Damage Waiver, the Damage Protection Plan steps in. The process is simple:
- Report the Damage: Our team notifies us of the issue through the claims portal.
- Assessment: Our team evaluates the damage and coordinates necessary repairs.
- Resolution: We help handle the claims process efficiently, ensuring your property is ready for the next guest.
Do I need additional insurance if I have Damage Protection?
The Damage Protection Plan provides robust coverage, but it is not a replacement for homeowner’s insurance. We recommend maintaining a traditional insurance policy for structural and liability coverage, while our plan offers specialized protection for short-term rental-related risks.
What types of damages are covered under the Damage Waiver?
The Damage Waiver covers accidental damages to the property, such as:
- Broken items (e.g., glassware, small appliances)
- Minor furniture or fixture damages
- Accidental spills or stains
The waiver does not cover:
- Intentional damage
- Negligence
- Damage from smoking, pets, or criminal activities
For more extensive damages, our Damage Protection Plan offers coverage up to $1 million USD.
Can guests opt out of the Damage Waiver fee?
In most cases, the Damage Waiver fee is a standard part of the booking process and cannot be opted out of. This policy ensures consistent protection for your property and helps maintain transparency with guests regarding their responsibilities. We may NOT REQUIRE a damage waiver to be paid on sites such as, but not limited to, Airbnb due to their AirCover Coverage Policy.
“AirCover for Hosts is top-to-bottom protection for Hosts. It includes guest identity verification, reservation screening, $3M USD Host damage protection, $1M USD Host liability insurance, and a 24-Hour Safety Line. It also includes $1M USD Experiences liability insurance.” (Airbnb, 2025)
What happens if a guest refuses to pay for damages not covered by the waiver?
If damages exceed the $500 USD waiver coverage or involve excluded scenarios, and if the client has not opted out of the Damage Protection Plan, we will handle the claims process through this plan; for bookings made through platforms such as, but not limited to, Airbnb, where protection plans like AirCover are available, we may first attempt to utilize AirCover and additionally pursue reimbursement through the homeowner’s insurance policy as needed.
Will I need to manage the claims process myself?
No, our team helps handle the entire claims process for you. From initial damage assessment to managing repairs, we provide a stress-free experience, ensuring your property is restored promptly and efficiently. Should we need your assistance with documentation or anything we will reach out.
How long does it take to be paid out?
After we settle the amount we pay out for the damage, the payment is made within 3-5 working days of receiving bank details.
Is the Damage Protection Program available in my country?
Yes! This service is available and operates globally with minimal restrictions. Any Property is eligible unless it’s located in a country currently advised against travel by the UK Foreign and Commonwealth Office on the booking start date
What does the damage waiver protect and not protect?
What We Protect:
- Unintentional Guest Damage: Coverage for accidental damages caused by guests.
- Stained Linens: Reimbursement for linens stained during a guest’s stay.
- Smeared Towels: Replacement costs for towels damaged by smears or stains.
- Unsolicited Smoking Damage: Protection against smoke-related damages when smoking is not permitted.
- Unapproved Party Damage: Coverage for damages resulting from unauthorized parties.
- Delivery Expenses of Replaced Items: Costs associated with delivering replacement items to the property.
What We Don’t Protect:
- Cosmetic Damage: Normal wear and tear or superficial cosmetic issues.
- Pet Damage: Damages caused by pets, unless specifically covered under a different policy.
- Wear and Tear: General depreciation and aging of property and items.
- Management Fees: Costs related to property management services.
- Maintenance Expenses: Routine maintenance, repairs, and upkeep costs.
- Approved Party Damage: Damages from events or parties that were pre-approved by the property owner.
