[**Meet with an Expert**](https://meetings.hubspot.com/levy-lambert/redawning-website-organic). RedAwning offers vacation rental management for busy owners and Airbnb hosts.  [Schedule a call](https://meetings.hubspot.com/levy-lambert/redawning-website-organic), or text/call us now at [+1 415-612-5985](tel:+14156125985).

# RedAwning Protection Program

Welcome to the RedAwning Protection Program™, designed to safeguard your vacation rental property and provide peace of mind. This supplemental program offers comprehensive protection against renter-caused damages, liability claims, and medical expenses related to third-party injuries, filling gaps where standard homeowner’s insurance may not apply. Below, explore the key features of the program, your responsibilities as a protected owner, and important details to understand your coverage.

## Program Overview Table

| Coverage Type         | Details                                                                                          | Limits                                                                                             | Exclusions                                                                                                                                                                                                                                                            |
|-----------------------|--------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|  
| Property Protection    | Covers renter-caused damage to personal property (contents) and real property (buildings).    | $5,000 (contents, min $100, max $2,500/item); $500,000 (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.       | $500,000, 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™ covers repair or replacement costs for physical loss or damage to your personal property (contents) caused by a renter, up to a $5,000 limit per stay, with a minimum claim of $100 and a maximum of $2,500 per item. For renter-caused damage to real property (buildings), protection extends up to $500,000, 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 protects you against damages from your RedAwning rental activity for which you become legally liable to third parties, with a coverage limit of $500,000. This includes legal defense costs, handled by counsel chosen by our insurer. It also features neighbor and tenant liability coverage, responding to occupant-caused damage that spreads from your property to neighboring or co-tenant properties when you’re legally responsible.

**Exclusions:**

Claims under $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.

## 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.

## 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™. 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.