--- title: How does the accidental damage protection program work? description:     damage protection --- [Skip to content](https://help.rentalguardian.com/how-does-the-damage-program-work#main-content) English Show submenu for translations ![6-1.png\]](https://help.rentalguardian.com/hs-fs/hubfs/6-1.png?height=50&name=6-1.png) - Home - Products - Pricing - Blog - Company Open main navigation Close main navigation - Home - Products - Pricing - Blog - Company - English Show submenu for translations - [https://rentalguardian.com/](https://rentalguardian.com/) [https://rentalguardian.com/](https://rentalguardian.com/) How can we help you? - There are no suggestions because the search field is empty. 1. [RentalGuardian - Help Center](https://help.rentalguardian.com/?hsLang=en) 2. [Help for Property Managers](https://help.rentalguardian.com/help-for-property-managers?hsLang=en) 3. [Frequently Asked Questions](https://help.rentalguardian.com/help-for-property-managers?hsLang=en#frequently-asked-questions) # How does the accidental damage protection program work? **Is there a deductible in the event of a claim?** - **There is no deductible, but the minimum claim amount is $25.00 USD** **Does the guest need to acknowledge/sign, or can we simply add the expense and take the coverage out ourselves?** - **No, there is no requirement for the guest to acknowledge/sign. PMI South Tampa is the covered party under this program, so it is designed to be added to all reservations as a standard surcharge to protect against accidental guest damage during the covered stay.** **Is there a limit to the duration of coverage?** - **The coverage is issued in 30-day intervals. For stays longer than 30-days, you will want to be sure to collect multiple iterations of the retail premium to ensure that you retain your margin. For example:** - **Stays 0-30 days = 1 x retail premium** - **Stays 31-60 days = 2 x retail premium** - **Stays 61-90 days = 3 x retail premium** - **Etc…** - **Our system will ensure that the policy stays open for the required # of days, so you will just want to be sure to collect the premium as discussed above so that you can retain your margin on the full policy.**   **Is the process automated? Will we be required to manually purchase coverage with every booking?** - **This process is manual, if your reservation software is not yet integrated with RentalGuardian. In this case, we will need an export of policies sold monthly (at minimum) in order to add the policies to your RentalGuardian Dashboard. We have (2) methods to accomplish this:** - **Option 1:on the 5th of each month, please send a report of all policies sold in the month prior to[policies@rentalguardian.com](mailto:policies@rentalguardian.com)(this would be based on the reservation creation date b/c the guest pays the retail premium with their reservation package)** - **You can also send this report more frequently (weekly/biweekly) if you would like** - **I have attached our Blank Manual Data Submission template to assist with compiling this report** - **You will also want to include any reservation cancellations that have occurred that month in this report so that our Data Team can cancel any policies as required** - **Option 2:you can enter policies into the dashboard as you take reservations or before the guest’s scheduled check-in date** - **[How to Open Coverage Video (rentalguardian.com)](https://help.rentalguardian.com/how-to-open-coverage-video?hsLang=en)** - **Important Note: Be sure to collect the retail premium from the guest at the time of booking and select “DEFAULT BILLING (INVOICE)” to avoid any billing errors** - **Any policy cancellation requests can be sent to:[support@rentalguardian.com](mailto:support@rentalguardian.com)**   **What is the refund policy for a guest who cancels a reservation?** - **Damage Protection is occupancy-based, meaning the policy becomes active when the guest physically steps over the threshold. For this reason, if a reservation is canceled, you can refund the premium paid for Damage Protection and send a policy cancellation request to RentalGuardian Client Services ([support@rentalguardian.com](mailto:support@rentalguardian.com)) to be sure that the policy is canceled inside your dashboard, as well.**     - [Help for Property Managers](https://help.rentalguardian.com/help-for-property-managers?hsLang=en#main-content) - [Billing](https://help.rentalguardian.com/help-for-property-managers?hsLang=en#billing) - [Damage Claims](https://help.rentalguardian.com/help-for-property-managers?hsLang=en#damage-claims) - [Frequently Asked Questions](https://help.rentalguardian.com/help-for-property-managers?hsLang=en#frequently-asked-questions) - [How To Videos](https://help.rentalguardian.com/help-for-property-managers?hsLang=en#how-to-videos) - [Travel Claims](https://help.rentalguardian.com/help-for-property-managers?hsLang=en#travel-claims) - [Travel Protection](https://help.rentalguardian.com/help-for-property-managers?hsLang=en#travel-protection) - [PSL](https://help.rentalguardian.com/help-for-property-managers?hsLang=en#psl) - [Help for Travelers](https://help.rentalguardian.com/help-for-travelers?hsLang=en#main-content) - [Travel Claims](https://help.rentalguardian.com/help-for-travelers?hsLang=en#travel-claims) - [Travel Protection](https://help.rentalguardian.com/help-for-travelers?hsLang=en#travel-protection) - [Covid/Pandemic](https://help.rentalguardian.com/help-for-travelers?hsLang=en#covid-pandemic) - Home - Products - Pricing - Blog - Company [![Chill listening crop-3](https://help.rentalguardian.com/hs-fs/hubfs/Rectangle%20RentalGuardian%20Logo%20Rectangle.jpg?width=92&height=24&name=Rectangle%20RentalGuardian%20Logo%20Rectangle.jpg "Chill listening crop-3")](https://help.rentalguardian.com?hsLang=en) https://rentalguardian.com/ Help Center Copyright © 2026, RentalGuardian