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      Coverage Details and How to Submit a Damage Claim

      Understand what’s covered under RG Damage Protection and how to file a claim if something goes wrong.

      This guide explains the benefits included in the Platinum Damage Protection Plan offered through RentalGuardian (RG), and walks you through how to submit a damage claim, plus how payouts are handled.

      Quick Navigation Index

      To easily navigate through this guide, click on any of the sections below to jump directly to the information you need:

      What’s Included in Platinum Damage Protection?

      The Platinum Plan costs $39.50 per reservation (under 30 nights) and includes the following protections:

      ✅ Contents Damage Protection

      Protects against damages to the contents of the rental property. Examples: broken TV, damaged furniture, broken appliance, and carpet stains.

      • Up to $25,000 coverage

      • $0 deductible

      • Minimum claim: $25

      • Max per item: $5,000

      ✅ Real Property Protection

      Protects against major damage to the real property dwelling from perils arising from rental activities such as a kitchen fire, bathroom water overflow, and other significant events. 

      • Up to $1,000,000

      • $2,500 deductible

      ✅ Host Liability Protection

      Protects the Property Manager and the Homeowner against bodily injury lawsuits filed by the guest or their party for injuries that occur during the short-term rental stay.

      • Up to $1,000,000

      • $2,500 deductible

      ✅ Bed Bug Coverage

      Protects against bed bug related losses including extermination, replacement of ruined furnishings, guest relocation to hotel, and loss of rental income after 72 hr period.

      • Up to $15,000

      • $100 deductible

      Tip: This plan provides strong protection across property contents, liability, and even pest-related issues—ideal for high-value stays or high-turnover rentals.

      Claim Submission: Step-by-Step

      If damage occurs and you need to file a claim, here’s what to do:

      1. Click this link to open the official RG Damage Claim Form:
        👉 Submit Damage Claim Form

      2. Complete the form with details of the incident.

        • Include descriptions, photos, invoices (if applicable), and any supporting documentation.

      3. Submit the form online.

      Note: This form must be completed by the host or property manager—not the guest.

       

      Important: For Damage Claims, there are 14 days after the guest departs to file a claim before the window to file expires. Once the claim has been submitted, you have 45 days from the date of filing to provide any and all supporting documentation for the Rental Guardian claims adjuster to review.

      How Payouts Are Delivered

      RentalGuardian offers two payout methods for claim reimbursements:

      💸 Option 1: ACH (Direct Deposit)

      ✉️ Option 2: Paper Check

      • If ACH is not submitted, a check will be mailed

      • Takes 10–20 business days to arrive

      Caution: Without ACH setup, check delivery times may delay reimbursement.

      Important Notes

      • Only the host or property manager should submit claims

      • Claims must meet the minimum requirements for each type of coverage

      • Always provide as much evidence as possible (photos, receipts, incident details)

      If you need help or have any questions, don’t hesitate to reach out. Contact your Customer Success Manager or our support team at support.jurny.com – we’re happy to assist.