# RedAwning Protection Program Plus

Introducing the RedAwning Protection Program Plus™, an enhanced solution for vacation rental owners seeking robust protection. This supplemental program offers increased coverage for renter-caused damages, liability claims, and third-party medical expenses, stepping in where standard homeowner’s insurance may fall short. Discover the upgraded features, your responsibilities, and essential details below to ensure your rental property is well-protected.

## Program Overview Table

| Coverage Type           | Details                                                                                          | Limits                                                                                    | Exclusions                                                                                                                    |
|-------------------------|--------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------|
| Property Protection      | Covers renter-caused damage to personal property (contents) and real property (buildings).     | $20,000 (contents, min $100, max $7,500/item); $1,000,000 (buildings, $500 deductible) | Land, vehicles, electronic data, wear and tear, war, mold, etc.                                                               |
| Liability Protection     | Protects against damages you’re legally liable for, including neighbor/tenant liability.        | $1,000,000, including legal defense                                                      | Claims under $5,000, intended losses, illness, professional services, vehicles.                                             |
| Medical Expenses         | Covers third-party medical costs from accidents (e.g., first aid, hospital, funeral services). | No specific limit stated                                                                  | You, employees, unauthorized persons.                                                                                       |

## Property Protection

The RedAwning Protection Program Plus™ provides repair or replacement cost coverage for physical loss or damage to your personal property (contents) caused by a renter, with a $20,000 limit per stay, a minimum claim of $100, and a maximum of $7,500 per item. For renter-caused damage to real property (buildings), coverage extends up to $1,000,000, subject to a $500 deductible.

**What’s Not Covered**

Land, water, air, electronic data, animals, motor vehicles, aircraft, watercraft (and their parts/equipment), renter’s property, credit/debit cards, bank notes, securities, firearms, precious metals, and property tied to businesses other than RedAwning vacation rentals. Excluded causes of loss include wear and tear, mechanical/electrical breakdown, war, terrorism, nuclear reaction, radioactive contamination, intentional/expected loss, neglect, criminal acts, government action, seepage, pollution, contamination, pathogenic/biological/chemical materials, and mold.

## Liability Protection

This program safeguards you against damages from your RedAwning rental activity for which you’re legally liable to third parties, offering a $1,000,000 limit, including legal defense costs handled by our insurer’s chosen counsel. It includes neighbor and tenant liability coverage, addressing occupant-caused damage that spreads to neighboring or co-tenant properties when you’re legally responsible.

**Exclusions**

Claims below $5,000, damages you expect or intend, losses from illness/sickness/disease, professional services, or incidents involving aircraft, motor vehicles, or watercraft are not covered.

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## Medical Expenses

The program covers necessary medical expenses for third parties injured in an accident on your property, including reasonable first aid, medical, surgical, x-ray, dental, ambulance, hospital, professional nursing, prosthetic devices, and funeral services.

**Not Covered**

Expenses for you, your employees, or unauthorized individuals on the premises.

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## Your Responsibilities as a Protected Owner

To ensure seamless claims processing, you must:

- Promptly report events or circumstances that might lead to a claim (e.g., notices, demands, summonses).
- Provide names and addresses of claimants and witnesses.
- Cooperate fully in loss or claim investigations.
- Notify police in case of theft.
- Protect damaged property from further harm.
- Document damages, repairs, and expenses with bills, receipts, and photographs.

## Important Notices

### Overview Only

This is a general summary of the RedAwning Protection Program Plus™. Full terms, coverages, exclusions, and conditions are available to customers upon request.

### Supplemental Coverage

The program complements, but does not replace, homeowner’s insurance. It applies where short-term rental activity is excluded from your primary policy and is excess over other valid coverage.

### Underwriting

The program is backed by an insurance policy with certain Lloyd’s Underwriters via TERN Financial Group Inc., a Lloyd’s Approved Coverholder.

### Consult a Professional

For personalized advice, contact a licensed insurance broker.

### Eligibility

You must be the registered homeowner and maintain standard homeowner’s insurance.