Protecting a vacation rental takes more than a booking policy. Blue Heron handles local property care and guest-turnover coordination, while Fairly provides the reservation platform and access to optional coverage through Safely. The homeowner chooses whether to enroll in Safely’s guest-caused damage coverage, separate liability coverage, both, or neither. This page summarizes Fairly’s current guidance; the applicable coverage terms and the details of each reservation control.
Guest-caused damage coverage through Safely
When an owner opts in, each eligible insured reservation includes up to $25,000 in guest-caused property damage coverage for the home and its contents. Fairly says this includes accidental and intentional damage, including theft, during the covered stay. For new reservations, Fairly adds $10 per occupied night to the guest’s reservation cost, with no per-stay cap on that nightly charge. The owner does not pay that fee out of pocket for new reservations, but opting in after an upcoming reservation was booked causes the fee to be deducted from rent for that existing booking.
Choose coverage in your Fairly account
The homeowner or an owner collaborator can change coverage choices under Listing → Access and policies → Coverage options in Fairly. Damage and liability are separate selections, and changing one does not change the other. New coverage can apply to eligible upcoming reservations that check in after the change, but it cannot be added to stays already in progress or completed. If coverage is turned off, future reservations lose that coverage; already-started insured stays remain covered under their existing terms.
How to document and file a damage claim
An owner or caretaker submits a Safely claim through the affected reservation in Fairly by selecting “Use Coverage” and completing Safely’s form. Submit a damage claim within 60 days after checkout, and document the condition before cleaning, repairing, or replacing anything. Provide close-up and wide-angle photos, a description of what happened, and available receipts, estimates, or repair quotes; theft claims also require a police report. Safely communicates with the claimant directly and pays approved reimbursements to the homeowner, with no deductible or minimum claim amount.
What the damage coverage does not replace
Safely’s damage protection is for guest-caused physical damage during an eligible stay, not every cost associated with operating a rental. Fairly lists normal wear and tear, maintenance or pre-existing problems, natural disasters, non-guest damage, formal events, and damage to a neighbor’s property among the exclusions. Loss of rental income, administrative costs, HOA fines, and routine operating expenses are not covered by this damage protection. Keep appropriate homeowner’s insurance and review the full Safely terms for limits, exclusions, documentation requirements, and claim decisions.
Liability protection is a separate option
Fairly also offers optional Safely liability coverage of up to $1 million per eligible stay for guest injury and third-party property damage for which the owner is responsible. If selected, its $5 per occupied night cost is deducted from owner earnings; guests are not charged for this separate protection. Fairly says bed bug remediation is included only when both Safely damage and liability coverage are selected. Liability coverage applies during an eligible paid guest reservation and does not replace the owner’s own insurance.
If Safely coverage is not selected
Other reimbursement options depend on the booking channel and its rules. For an Airbnb booking, Fairly says its Support team can assist with an AirCover request; contact support@fairly.com within 10 days of checkout so the request can be prepared for Airbnb’s 14-day deadline. Fairly says Vrbo does not provide host damage protection, so an owner would need separate coverage or would need to seek reimbursement from the guest. These channel programs are not substitutes for reviewing your own insurance and the specific terms that apply to your reservation.
For the latest details, read Fairly’s damage and liability coverage guide. Blue Heron can discuss how property inspections, turnover documentation, and local operations support a practical protection plan for your home. Fairly provides the technology and coverage-selection workflow; Safely administers its coverage and claims. Please confirm coverage status in your Fairly listing before relying on protection for a particular stay.