RedAwning Protection Program™
Welcome to the RedAwning Protection Program™, designed to safeguard your vacation rental property and provide peace of mind. This 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, 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 business-related property (other than RedAwning vacation rentals). Losses from 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, or mold are also excluded.
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, summonses).
- Provide names and addresses of claimants and witnesses.
- Cooperate fully in its 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 participants upon login.
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 in 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 tailored advice, contact a licensed insurance broker.
Eligibility
You must be the registered homeowner and maintain standard homeowner's insurance.
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