Peace of mind when accidents or theft happen
When you rent your home, accidents happen. Items get broken, linens get stained, and occasionally guests may steal property. Getting reimbursed can be frustrating and time consuming, and many of these situations are not covered by standard homeowner’s insurance.
That is why Fairly partners with Safely to provide guest-caused damage protection of up to $25,000 per reservation, so you can host with confidence without chasing guests for reimbursement.
What This Coverage Is
Safely guest damage protection covers accidental and intentional damage, including theft, caused by guests during an eligible stay. Each covered reservation includes up to $25,000 in protection for damage to your home or its contents.
Coverage applies consistently across all insured reservations and is designed to reimburse you quickly when something goes wrong.
How Safely Coverage Works
When you opt in, $10 per occupied night is added to guest rent as part of the reservation.
You do not pay anything out of pocket.
You do not need to negotiate with guests or work through Airbnb or Vrbo support.
Every eligible reservation is automatically insured.
This means faster reimbursements and less stress when guest related damage occurs.
What’s Covered
Each eligible reservation includes up to $25,000 in coverage for guest-caused property damage during the stay. This includes accidental damage such as broken furniture or stained carpets, intentional damage, guest theft, and damage to your home’s structure or contents.
Coverage Sub Limits
Certain items have coverage limits.
Up to $2,500 total applies to jewelry, furs, watches, artwork, silverware, goldware, firearms, watercraft, and trailers.
Up to $200 total applies to cash, smart cards, coins, and bullion.
What This Coverage Does Not Include
This program is designed only to cover guest-caused property damage during a stay. The program does not include liability coverage, loss of rental income coverage or coverage for internal administrative costs.
It does not replace the need for homeowner’s or liability insurance.
Key Exclusions
Normal wear and tear, maintenance issues, or pre-existing damage.
Damage from natural disasters such as storms, flooding, or earthquakes.
Damage not caused by guests, including damage caused by cleaners, owners, or vendors.
Damage during formal events, such as weddings or parties.
Damage to a neighbor’s property.
Fraudulent activity.
How Items Are Reimbursed
Damaged items are reimbursed at the cost of an equivalent item using like-for-like replacement.
If you replace a damaged item with an upgraded item, Safely will reimburse the like-for-like cost, and you are responsible for the difference.
Older items may be reimbursed at a depreciated value.
Benefits of Safely Coverage
All insured reservations receive the same coverage.
The claims process is simple and streamlined.
Claims are paid quickly.
You have 60 days to file a claim.
Coverage includes accidental and intentional damage, including theft.
There is no deductible.
Filing a Claim
Filing a claim is fast and typically takes under five minutes.
How to File
Log into your Fairly dashboard.
Select the reservation and click the “Use coverage” button.
Complete the Safely claim form and include:
photos with close-up and wide-angle views,
a description of the damage and how it occurred, and
receipts, estimates, or repair quotes.
Claims must be submitted within 60 days of check-out.
Safely will communicate with you directly via email throughout the process. Once a claim is created, you will receive a confirmation email from Safely. Replying directly to that email is the fastest way to communicate with the assigned Safely Claims Adjuster.
For general questions, you can contact Safely by email at [email protected] or by phone at 855-723-3598.
Reimbursements are paid directly to you, not to the guest.
Additional Claim Requirements
Some claims may require extra steps, including:
Theft claims require a police report.
For carpet stains, professional cleaning must be attempted before replacement.
Changing Your Coverage
You can opt in or opt out at any time:
Go to your Listing tab > Access and policies > Coverage options.
Opting In
All upcoming reservations will be covered.
The fee will be deducted from rent for existing reservations.
Reservations that have reached or passed their arrival date are not eligible for new coverage.
Opting Out
Coverage will be removed from all future reservations.
Fees will be credited back to rent.
Reservations that have reached or passed their arrival date will remain insured.
Only homeowners and owner collaborators can change coverage preferences.
If You Do Not Opt In to Safely Coverage
Without Safely coverage, the path to reimbursement depends on the booking channel.
Airbnb
Claims must be filed through Airbnb AirCover.
Requests must be submitted within 14 days of check out.
Vrbo
Vrbo does not provide host damage protection.
You must pursue reimbursement directly with the guest or carry your own insurance.
Airbnb Damage Protection Overview
Airbnb provides damage protection for reservations booked directly through Airbnb.
What’s Covered
Airbnb AirCover provides up to 3 million dollars in damage protection. This includes damage to your home and belongings, select art and valuables, cars, boats, and watercraft stored on your property, damage caused by pets, deep cleaning required to remove smoke odors or stains, and lost income if reservations must be canceled due to guest damage.
What’s Not Covered
Normal wear and tear is not covered.
Loss of currency is not covered.
Damage from natural disasters is not covered.
Cleaning fees associated with normal turnover tasks are not covered.
Injury, property theft, and certain types of property damage are not covered.
Other exclusions apply.
Airbnb Damage Protection Process
Before starting a claim, try asking your guest to pay for the damage. Providing photos and a fair reimbursement request can increase the likelihood of payment.
If you wish to file an Airbnb damage protection claim, contact [email protected] within 10 days of the guest checking out. This allows time to collect additional information and submit the request within Airbnb’s 14-day requirement.
Your email should include a message for the guest, a description and photos of the damage, the cost to repair or replace the item or additional cleaning fees, supporting documentation such as receipts or invoices, whether the item can be repaired or must be replaced, the age of the item, and the date the item was stolen or damaged.
Fairly will confirm receipt of your request and begin the reimbursement process.
Vrbo Damage Protection
Vrbo does not offer host damage protection. Hosts must secure their own coverage or pursue damages directly with guests.