At EVL Property Rentals, we understand how important it is to protect your short-term rental investment. That’s why we offer two optional protection programs designed to reduce your exposure to risk and give you peace of mind:
- Property Damage Protection
- Liability Coverage
Both of these guest-funded options are available to owners who want added confidence that their home and finances are protected—without sacrificing income.
🧰 Property Damage Protection
Accidents happen, even with the best guests. Property Damage Protection helps cover the cost of accidental damage to your home or belongings during a stay. From broken furniture to water damage or a cracked TV screen, this coverage makes sure you’re not left footing the bill.
Examples of Covered Damage:
🍷 Wine spilled on a white couch
🛋 A living room chair breaks under normal use
📺 A TV is knocked over during a stay
🧂 Grease splattered on kitchen walls requiring professional cleaning
🪟 A window is cracked while moving luggage or furniture
🚿 A guest overflows the shower, damaging the floor or ceiling below
This protection applies only to accidental guest-caused incidents. It does not cover normal wear and tear or issues related to property maintenance.
Coverage Tiers:
| Tier | Coverage Limit | Cost per Reservation | Paid By |
|---|---|---|---|
| Bronze | Up to $3,000 | $50 | Guest |
| Silver | Up to $5,000 | $55 | Guest |
| Gold | Up to $10,000 | $65 | Guest |
| Platinum | Up to $20,000 | $80 | Guest |
These fees are included in the guest’s reservation total—so there’s no cost to you.
🏠 Liability Coverage
Liability Coverage protects you if a guest or third party is injured on your property or if guest activity causes damage to someone else’s property. This is especially useful for homes with stairs, fireplaces, shared walls, or outdoor hazards.
Examples of What’s Covered:
❄️ A guest slips on icy stairs and breaks a bone
🚿 A guest overflows the tub and causes damage to a unit below
🐕 A guest’s dog bites another guest or neighbor
🌲 A branch falls from your tree and injures a visitor
🚘 A guest accidentally damages a neighboring fence or parked car
You’re only charged for nights with guests—there’s no fee when your property is vacant.
Coverage Summary:
| Coverage Type | Limit | Cost per Night | Paid By |
|---|---|---|---|
| Liability + Medical Coverage | $1M per occurrence + $10K in medical costs | $5.50 | Guest |
🔥 Fire Damage? Covered.
One of the most common concerns in short-term rentals is fire safety. With liability coverage, fire damage to your property is covered—if it’s caused accidentally by a guest.
Covered scenarios include:
A stove or oven left on
A candle left burning
Improper use of the fireplace
🔒 This coverage applies only to guest-caused accidents. Maintenance issues or electrical problems are not included.
🔍 Why It Matters
Running a short-term rental is a business—and like any business, it comes with risks. These optional programs offer:
Guest-funded protection – no impact to your bottom line
Flexible tiers based on your property’s needs
Coverage for the most common (and expensive) accidents and liabilities
Peace of mind that you’re protected from the unexpected
Looking to Protect Your Short-Term Rental?
If you’re interested in learning more about how EVL Property Rentals can help protect your property through smart coverage options and hands-on management, reach out to our team. We’re happy to walk through your needs and help you find the right level of protection for your short-term rental.