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I first though this was a great idea and offered it to a couple people who had sent inquiries. One agreed and I started to re-work the text in my rental agreement when I realized this could potentially create a huge problem. Part of my agreement says, "Your security deposit if fully refundable provided the following provisions are met:
1. The cottage is left clean and in the same condition as when you arrived. If not, an additional cleaning fee may be charged.
2. No damage is done, beyond normal wear and tear. Furniture is not stained or torn. No towels or linens are lost or damaged.
3. All garbage is placed in refuse containers outside and soiled dishes are cleaned. Used towels should be placed on the bathroom floor or in the bathtub.
4. All keys are left on the kitchen counter and cottage is left locked. A $20 fee will be charged for lost or missing keys.
5. There is no theft or damage to the cottage or property due to negligence of the guest to properly lock and secure windows and doors or turn off appliances.
6. Any charges accrued during the stay are paid prior to departure.
It was at this point that I realized that if I went with the damage insurance, the renter would have no incentive to do any of those things. I think having the security deposit really motivates renters to leave your home in the best condition possible because they want to be sure they get all of their money back. Aside from filing a claim for some real damage, the insurance doesn't do that.
I ended up lying to the guest and telling them that I just found out this option was not available in my state and I offered them a slight discount on my initial deposit quote. They still rented and I feel much better about it.
So, long story, short, that's my reasoning behind not choosing the insurance option.
Fortunately, we have only had two instances where we had to charge an extra cleaning fee (the tenants were absolute pigs) and another where one had an unapproved pet in the unit (which we would have allowed but she was trying to avoid the extra $50 cleaning fee). Both of these tentant talked me down on the rental rate and I have since learned that that is a HUGE red flag and won't rent to anyone who tries to negotiate the price. It's just not worth it.
I had the not thought about the cleaning aspect and the use of insurance. I agree with you on it negative effect. After a careful study of the policy saw the many loopholes such as not covering intentional damage. So here I think we have another marketing tool product that does not provide a real benefit to the owner. I don't rent to college students but for those owners that do it may provide some extra coverage on top of a large security deposit. I would charge the college kids for this as well.
In regards to your comment about the worse guests being those that bargain with you, you could not be more correct. A mild attempt at bargaining I don't mind. I refuse to budge and dismiss it as being frugal. With the more insistent guest, I tell them the unit is not available anymore. They are almost always trouble.
Thanks for your reply
Speaking only for my experience, I can say this. We take weekend and weekend rentals and have for two years. We have seen a LOT of parties come and go.
I offer either an accidental damage insurance policy (half of which they pay for) or a $275 security deposit. So far, 100% have taken the damage insurance. And, I have not filed a single claim. My guests leave my place clean and take care of our property as it it was their own. My partner feared that our guests might know about the acciental damage insurance and trash the place. Its never happened. Truly, many worry about that, but then I wonder who there benchmark is. At least in our case, our guests are real people like you and me who are just trying to get away for a short time. They are not careless creeps or thoughtless people who would take advantage.
The hotel industry rents millions of rooms out every year and has a very small percentage of them that get "trashed", even though no security deposit is typically required. Does it happen on occassion, yes. But the percentage of times is very low.
Damage insurance is a very guest-friendly option. In my experience, and I recognize that your situations may be different, the FEAR of the risk far outweighs the probability. This has been true for me and for those in my rather large rental community who I have spoken with. Most do not require any deposit and they have been in business for years. If that policy wasn't working, then I sense they would have changed it by now. Bottom line, I am not willing to inconvenience my guests because there is a very small possibility that I may get taken advantage of.
Also, another thing to consider is that the damage insurance only covers accidental damage. If a place gets "trashed" by carelessness, it would not be covered either. You'll want to be clear on what the policy covers. I do believe that the damage insurnace company sends a notice of the policy coverage to the renter anyway, but better safe than sorry. Truthfully, we are thinking of doing what others have said they do this year... take the non-refundable damage deposit and self-insure. It is a lot of money to pay to an insurance company when after two years we have never filed a claim. But if our furniture, flat screen TV or flooring was damaged, we could get in trouble. As always, you have to way risk to probability and make the decison that's best for you.
Lorraine and Diver, EXCELLENT feedback. You are so right about the guests that want deep discounts, and in our case early check-in, late-check out are the one that are trouble. Also, we never, ever, ever rent for less than 2 nights. Yes..... I'd rather it go empty.
Jnowlen, I agree to a E or L checkin/checkout only one week before the tenant goes down and only if there are no guests to follow. It never works with back to back rentals. I say no to guests who ask about this so as not to get their hopes up. I will call and offer to guests if the circumstances (schedule) favors it. This way it is a bonus for the guest and an unexpexted suprise.
I totally agree with nothing less than 3 days and only in the off season.
Some have questioned the incentive guests have to protect our property if they pay for the damage insurance policy. Guests should be informed that if a claim is made, it could impact their other insurance. The insurance industry tracks all our claims -- home (owner or rental), auto, health, etc. - and the damages claim would impact the scoring system used to price insurance rates. (Similar to credit scores in the financial world).
That said, the points Lorraine made regarding the guest leaving the property in clean condition is important. We can't make a claim for these types of policy violations.
What is compelling to me about the damage insurance is that coverage exceeds the deposit we currently take. What if they break or take the new 60" flat screen tv? I'd have to chase after the tenant to collect the balance of the loss.
I think this all shows the importance of effective screening. Here we go!
Are you certain that damage insurance claims are reported and will potentially increase a person's homeowners insurance premiums? I have never heard of this. Can you provide a resource so that I might better understand this?
I think there is a learning curve when you first change over to using the damage insurance vs security deposit. I don't charge a cleaning fee, nor do I charge if the house is not left clean. I have a cleaning crew that goes in after the guests have left, and clean and prepare the house for the next guests. I don't think it is up to the renters to be sure the house is left clean for the next renters. They are on vacation.
BUT- I do (or did) deduct from security if there were beach badges or keys missing. Not realizing that I have no security to deduct from until I had already sent out the leases, with the change over to damage insurance, I will have to hope for the best for this year. Any new leases I take from now on I have included a beach badge-key deposit.
I like the idea that the amount of insurance coverage far exceeds the amount of security we take. I had an instance where someone burned a hole in a lampshade and rug-I replaced the lampshade but the rug was a different story. $350 just didn't cover it. Luckily I had just ordered new furniture for that room and the new bed covered the burn. I think I was just so happy that they didn't burn the house down. Over the years, I have only had to keep partial security a few times, and only once did I have to keep the whole deposit.
I also think guests are more likely to report damage when they know they will not be loosing there security deposit, but we all have to do what we feel most comfortable with.
My damage insurnace covers lost keys/passes.
I wonder if there is a policy (or is the one on VRBO) available for the owner to pay for. Money's money isn't it? Why should the company providing the policy care where it comes from? I'd be happy to buy one for each renter and not even tell them that I've done so. This would solve the disincentive for the renter to keep the place clean and undamaged. I would also still charge the refundable security deposit and be able to refund it if any damage did not exceed the amount of the policy coverage. Looks like a win-win situation to me.
I've searched and searched, and I can't find information on the damage insurance policy that owners can offer renters in lieu of a damage deposit. Can somebody point me to it?
I'm afraid that's not what I was looking for. I don't want the renters involved or know about the insurance. This is apparently not possible. We have found that at least in the OBX, that renters who have this insurance are less likely to take good care of the property than they do if they have a security deposit on the table. If I could purchase the insurance myself, then I would not need to ask for a security deposit.
As it turns out I finally found the information right after I made that first post. I called the company, and they said that the renter is notified of the insurance even if I pay for it. They said there is no way around that.
I believe the guest is notified because if he causes damages for which a claim is made, it will documented in his insurance history.
The insurance industry maintains records of all insured people. It has its own version of a credit score that is factored in when pricing all insurance -- home, auto, health, etc.
The guest should be informed that if they cause damage, it could affect how much their personal insurance will cost at renewal time. This can be a positive motivator for them.
sent via Blackberry
I read what I could from the insurance company, however, can you please clarify that the PDPI covers properties in the Caribbean. Thank you very much.
For specific questions about PDP, you can call (888) 501-3025, or you can reach them by email at CustomerCare@PropertyDamageProtection.com.
I have inquired with the company regarding all aspects of the insurance, who pays, etc. You can not take security and also have the policy. It is one or the other.
I see you just joined the community today and have left 6 posts about buying "deposit guard' on 6 different forums. Any chance you work for them since your comments sound like a tv commercial?
Hi everyone -
I wanted to let you know about a weekly ReservationManager webinar where we'll provide an online product demonstration followed by questions and answers between you and the ReservationManager product team.
In the demonstration, we'll also cover how you can offer Property Damage Protection or a refundable damage deposit with the tool.
We look forward to your participation!
Insurance instead of a damage deposit sounded like a good idea to me until I started thinking of trying to file a claim. Would you have to have photos of everything in the house before each tenant moved in in order to prove "damage". Would they accept the carpet cleaning service bill without question if pets had left the furniture and carpets too dirty? I did offer it to a prospective renter intending to give it a try and he accepted the $39 charge immediately in place of the $600 deposit. However, since no agreement has been signed and no money collected yet, I think I'll do as mentioned earlier by someone and tell him it wasn't acceptable in our state. The deposit I charge is not near enough to cover the damage that could be done by tenants to our property, but something about being willing to put the deposit up seems to indicate some responsiblity on the part of the tenant. I've been lucky enough never to have had to withhold any of the deposit, probably wouldn't unless the damage was really severe, but collecting and mailing refunds seems easier to me than going through the paperwork to file a claim. Does anyone have any actual experience in receiving money from the insurance company? Is it easy? Are they reasonable?
Thank you for taking the time and posting your questions and concerns regarding the Property Damage Protection product. I would like to take this opportunity to answer your questions.
In the unfortunate event you have damage in your home; at the time of claim we would either ask for photos of the damage, receipts of repair or quotes for the repair, all of which can be electronically uploaded through our on line claims process. Since HomeAway and CSA have been offering this product we have been paying out claims with an average payout of 10 business days. All claims information and any supporting documentation can be submitted electronically using this link:
Regarding your inquiry on renters’/guests’ perception if they purchase Property Damage Protection in lieu of a providing a security deposit, it has been our experience that guests do not intentionally damage a home as a result of only having to pay a nominal fee for an insurance product. We do find that guests are supportive of the insurance product and appreciate the ease it offers over collecting a traditional security deposit.
If you have any additional questions please feel free to contact us at 888-501-3025 or repost within this owner community.
Kimberly @ CSA Travel Protection
We have been renting our property for the past 5 years. When I first saw the Insurance coverage instead of a Security Deposit, I thought, "Yeah, a way to cover the damage that is beyond the Deposit". What a huge mistake in only charging for the Property Damage Insurance. We started the program in April and the amount of damage to our home has increase hugely!!! I have filed 2 claims already for carpet damage from spills all over the home that did not come up with regular over the counter carpet cleaner, broken refrigerator shelf, damaged walls, use of a plumber because the guest said the toilet was broken when in fact they only clogged it and didn't feel like cleaning up the mess. The insurance company paid immediately for all damages as long as I sent them pictures of everything along with a receipt for payment to the plumber, carpet cleaning company and purchase of the new shelf. I since have another claim I have yet to file again, for pink stains on the carpeting (carpet is very light in color, ugh!) again and a broken couch that can not be fixed because the company who built it went bankrupt and we can not find parts to replace the reclining mechanism. Purchasing a new sofa is not an option since then we would end up with a sofa and love seat that no longer match. I will post back after I have contacted the insurance company as to what can be done to replace/fix the sofa. My biggest concern is, what happens if an owner keeps constantly having to file a claim? Like I stated earlier, our damages from guests has gone up considerably since we started this program. I will be going back to collecting Security Deposits after this last group with insurance has finished their stays. Also, guests do leave your property much more dirtier than they did before when their deposit was involved. And no, you can not collect on the insurance for your property left a mess, there has to be damage of some sort.
I am new to renting just started may of 2011. since then i have had 6 guest stay, they were all charged a deposit/security fee. My house keeper (husband and wife duo) would tell me the house was always left clean. I made a reservation with a guest who were on a budget so i did VRBO damage insurance of $39 to save them. I am now thinking i will continue with charging the deposit in order to have guest clean up after themselves rather than think "oh well its covered"..
I think i like the idea of collecting the deposit rather than get damage insurance.
I have been charging a seperate cleaning fee of $150 which is refundable or partially refundable depending on how long it takes my staff to clean after the guests leave. I also leave the numbers of two local women who clean.
This is completely different from the Security Deposit issue.
I may be mistaken, but doesn't this kind of damage insurance require that the damage be reported before the guests depart? Most of us do not have a supervised check-out when damage could be discovered and a person stealing your bathrobes or who has left hidden damage is not likely to admit it ahead of their exit.
The problem would seem to be proving who caused the damage/loss. Does the insurance work in these cases?
No, you do not need to report damages prior to your guest's departure. Also, to note, intentional acts such as theft are not covered by the Property Damage Protection policy. It is mean to protect your property and your guests from the expense of accidental / inadvertent damages (spills and stains, broken windows, etc).
IMO, if you do a good job of communicating that they are purchasing an ACCIDENTAL damage policy, vs. a "get out of jail free" policy, there would be the discouragement against "trashing the place" that many seem to be concerned about. Again, this has not been the case for me... our guests have never damaged a thing in our place and most leave it better than they found it, which is quite amazing. That said, we don't do spring break business and mostly rent to fisherpeople and families.
Do normal people like you and me need "incentive" to take care of a rental property? In my world the answer has been no.
Also, my cleaning deposit is also seperate from my damage deposit, as it should be for everyone since there are different laws/rules relating to each. Even so, I don't as our guests to clean but to put things back where they found them and strip the beds. Still, 100% have left the condo in near perfect condition. So even that fear, that people will not clean, has proven irrational in my community.
Here's my summary on this. While the damage insurance is a great concept in terms of actually being able to cover the cost of damages (since we all know we can't possibly charge enough to cover the potential), it does not give the renters any incentive to take care of your rental. It's the fear of losing their deposit that encourages renters to clean up after themselves and act responsibly with your property. Without this fear, they just don't give a crap. And as savannahrental stated, it's more than likely going to make the amount of damage increase.
It all comes down to good old-fashioned cash. Sure, it's more of a hassle, but nothing else speaks louder.
I'm actually surprised that some people ask if I'm going to deposit their security check. I'm equally surprised that some property owners don't. Of course you should deposit it. How else do you know if the check is good? I'm not going to wait until after they leave and my property is damaged to deposit the check and have it bounce.
I have started using this insurance this year, but sent out leases before i really thought it through. I forgot about the fact that I would deduct from security for lost beach badges and lost keys. Insurance doesn't cover that. So I updated my lease for any new renters with a separate beach badge/key deposit. But now my question is, will the insurance cover stolen, lost or damaged bicycles or beach chairs. Or is it limited to furniture and household contents only?
Thank you for posting your questions and taking advantage of the Property Damage Protection product.
I would like to let you know that Property Damage Protect does in fact cover lost beach badges and lost keys.
In regards to your second question PDP will cover for damaged bicycles and beach chairs…and is not limited to furniture and household contents only. However, it does not cover theft.
If you have any additional questions please feel free to contact us at 888-501-3025 or repost within this owner community.
Kimberly at CSA Travel Protection
I'll throw in my experience here as well:
We use the following policy - For most guest groups we accept a $500 credit Card Authorization for a Damage Deposit, OR the $49 PDP policy. We pay for the policy and add it to their total charge, meaning we have to charge sales tax, and we lose 3% for the credit card fee on it. It's just a cost of doing business.
But, we also stipulate that any renter under 25 MUST take the PDP option. We have also required it for groups that we just feel "iffy" about. Generally we don't accept iffy groups at all, but sometimes you just have to play a hunch, and the PDP is literally our insurance if we're wrong.
In all cases, our contract makes it clear that neither the Damage Deposit nor the insurance limits their liability for damage to the home - we can bill them for amounts in excess of the damage deposit or not covered by insurance, including intentional damage, smoking in the house, even a penalty for noise complaints from neighbors. They're on notice that they don't have a free pass, whichever path they take.
Of course, without a deposit in hand, it's harder to recover anything that is above and beyond, in either situation.
As for making claims, last month we had our first instance of an iffy group that we took a chance on. After they checked out we found out how much damage they caused. PDP paid for the broken hot tub cover, the destroyed mattress cover, and even allowed us a credit for the cost of water and heating fuel for emptying and refilling/re-heating the hot tub. They were easy to work with over the phone and online - I just filled out a form, sent some pictures, and included bit of extra detail in the cover email I included them with. No need to follow up with the renters - the CSA company took care of it all. Good on them!
However, their policy regarding labor really sucks. Because we had guests arriving the next day I had no time to call in a professional to fix the walls and other household damage. I did all the work myself that afternoon. If I had a pro come in I would have paid $300 or more, but because I did it myself I couldn't file a claim forthe wall damage at all. Sure, they offered to pay for the spackle and paint ($0.39 worth), but not for the time equivalent of hiring a contractor to come in and do the repair. If I had time to have someone come in and do the work they said they'd cover it - but on a Sunday afternoon you just need to get it fixed and ready for the next guests. There isn't even time to have someone come in and give you an estimate! This policy of not recognizing the value of the property owner doing the repair really sucks and diminishes the value of the service to us.
Be protected. Avoid nasty and costly landlord/tenant disputes involving damage or missing items with a home inventory.
Your vacation rental property is an investment, and thus it is important to protect it. Along with insurance, one of the best ways to protect your home is with a home inventory. Once your inventory has been printed out, have your tenant review, note the existing condition or damages throughout the home, and sign off on upon move in.
Photos are the best way to document the condition of furniture, carpet, walls, finishes, appliances and the overall condition of your vacation property. This is something you can do yourself or hire an inventory service professional to prepare the inventory.
I just submitted a claim to Property Damage Protection, see the post at:
It was for broken items in the home.
|Finding PDP site||2*||Not easy to find within HA/VRBO|
|Filing out the claim form||5*||Form with Fill-in spaces in PDF|
|Uploading the information||2*||Only one file allowed, must be zipped|
|Documentation required||4*||Typical, contract, invoice of losses, pictures if available, application|
|Tracking the claim process||1*||No automatic process|
|Time to respond||4*||3 days|
|Time to pay||5*||Check arrived 3 days later|
|Coverage||3*||Does not cover theft, contract violations|
|Paid full amount||3*||Deducted 10% per year for depreciation|
|OVERALL||3.5*||Good to Very good|
This is my opinion based on a maximum of 5*, yours can be different based on your experience and type of claim.
The terms and conditions of the property damage protection policy the insured (guest) purchases lists several glaring exclusions. Has anyone had a problem collecting from the insurance company when the guest is in violation of the lease? For example the guest smokes inside your rental property when you lease says no smoking?
COVERAGE AND BENEFITS
This plan covers you for certain events that occur while your coverage is in effect. They include:
Security Deposit Protection Benefits If the Insured rents an Accommodation and the Insured damages the real or personal property assigned to that Accommodation during the Covered Trip, we will reimburse the Insured the lesser of: a) the cost of repairs or b) the Actual Cash Value of the property, up to the amount shown in the Schedule.
Coverage is provided to the Insured occupying the Accommodation during the Covered Trip.
Coverage is not provided for loss due to:
assigned to the Accommodation;
the lease agreement;
by the Insured or brought on the Covered Trip by the
the Insured unless substantiated by a police report.
The Insured’s Duties in the Event of a Loss:
The Insured must:
property and prevent further damage to it;
the Covered Trip to the owner;
agreement, police report and damage estimate.
Your point is correct, that is why I was very concerned about protecting my property and mitigating my risk as a vacation homeowner. The policy is clear on what it does not cover, and in our case of VR owners some of our biggest uncovered risks are:
What I have done since is to require the insurance from medium and high risk renters AND a credit card to cover what the insurance does not cover. By holding the credit card, I can charge the expenses the PDP does not cover. I started doing this after a guest broke an aluminum door and when I charged him, his response was that this is a beach property and the hinge was rusted, it was a tough call so I decided it is best to collect the insurance than debate with the guest.
But at least some of the major expenses, typically large enough for a guest to fight back such as breakage or damaged item are covered.
BTW, on your highlighted line that you must report it within three days, it means reported to YOU and not to the insurance company, they require 90 days:
Notice of Claim We must be given written notice of claim within 90 days after a covered loss occurs.
So you have time to collect your documentation and send it in one big Zip file.
Good heavens! I'm sticking with my damage deposit rule!
An update to our previous post:
We now follow the same policy as Gabriel.
We take a $500 damage deposit for ALL rentals, and require the CSA insurance whenever my "gut" tells me to. In general, we don't even accept renters when we're not sure, but sometimes you let your heart strings get plucked, or you just feel it's worth the risk to fill out the week. We also require the Damage Insurance for most rentals over 10 days. It truly is "cheap insurance" compared to the overall fees for a longer stay.
I am new in the VRBO and thought that insurance is better than to deal with deposits till tenant brought the dog/s with them. Ceaner told me that and they spent extra time cleaning dog hair of of everything in the house (I paid extra 2 hours to them too). I came to stay in the house 2 month after them and found parasitice type warms in the carpet. There was only one guest who staid at the house between us and I confirmed that they did not have pets. I cleaned the carpet and filed a claim. Guess what was the verdict? Denied!!! CSA does not cover any damage that resulted in tenant not following your rules ("outside pets only" for us).
Not tell me, what good is this insurance if it does not cover the things that tenent ruins if you tell them "not to do it"? If we were folowing the rules of the road, we would not need car insurance too, but we don't and at times get in trouble. What if our car insurance people told us "oh, you broke the rules of the road, so we will not cover your claim?!"
I don't think this Personal Property Protection plan that VRBO advertises is any good! I have to go to the deposits next year!
I don't know what to do now. Any suggestions?
While I have started using CSA, I notice that I have not been able to get a copy of the detailed policy only the standard .pdf that seems to be more of a marketing document. There has to be a very detailed document somewhere. Any suggestions on how to get or demand that CSA gives me a copy?
Last time I looked (a couple months ago), the CSA insurance that VRBO seems to point to does not do what I want here at the beach. What we care about is coverage in the event of mandatory evacuation. Here's the info, and I'll bet you can get what you want from them:
TRAVEL INSURANCE: The insurance company that is used by many rental agencies here on the OBX is CSA. Among other things, it covers days lost due to mandatory evacuation by the local government.
The number for CSA is 1-800-348-9505. Wait through the menu and you’ll get a human. Tell them you want CSA Insurance plan code 330CSA and TELL THEM YOU'RE STAYING AT A HOUSE ADVDERTISED ON VRBO. The premium will be 6.95% of the prepaid rental cost (don't count tax or security deposit). Their hours for questions and purchasing are:
6-6 M-F Pacific Time
6-3 Weekends Pacific Time
Here's a pdf of the policy I recommend to my renters:
Hi Crescent beach:
I received a copy of the policy after I called CSA, it is the same marketing document but with more legal parragraphs, it contains nothing that adds value to determining how they calculate the reimbursements, such as depreciation, limits per item, etc.
I asked the CSA agent over the phone and they told me these tables are internal and not required to be disclosed.
So much for transparency,
I am beginning to wonder what the point of having insurance is if you state house rules in your contract, the guest breaks them and the insurance will not pay out for broken rules that cost you money to fix.
I posted this in another thread, but it seems applicable here as well:
This may sound crazy, but it's worked pretty well so far. For about six months, I've been offering my guests a choice. They can give me a $250 Refundable Security Deposit (different than the booking deposit to reserve their dates) or pay me a $50 Damage Waiver Fee. The $250 Refundable Security Deposit is just what you all think it is, a fully refundable deposit pending any damaged or missing items. I've been renting for just over a year and have yet, knock on wood, to have to withhold anything. Based on that experiece, I decided to try offering a $50 Damage Waiver Fee. Basically, the guest is paying me an additional $50 that is not refundable and I use it to self-insure. My guests are split about 50/50 on which they choose. I've now collected more than the amount of the Refundable Security Deposit and if there's no damage, it adds to my bottom line. If damage does occur at some point in the future, I've got more than that guest's $250 for repair or replacement.
Why should some insurance company, who can refuse to cover whatever they want, get to keep my guest's money. It might as well be me instead. Plus, I use that money to replace things that wouldn't typically be charged against a Refundable Security Deposit, such as worn out linen or a broken wine glass.
We have had 4 years experience with damage waiver required by the rental agency we used to use. So have lots of our friends here. The overwhelming majority have had MUCH more damage from damage waiver guests than they did with refundable damage deposits. Maybe you'll be lucky, but there may come a time when all the $50 you've collected won't come near what it will cost to repair the damage from just one unfortunate week.
IMO, your guests need to have some skin in the game.
Holy Cow, Linda.
What area are you in? What are your demographics? I am stunned. It must be a local thing, because I have great guests. That said, I have rented in places like Ocean City, MD where there is a lot of partying and maybe that makes things very different.
Where did you see this advertised ? If you are staying with vrbo as your only guide for renting.I would suggest usign vrbo insurance