Claims are subject to the terms and conditions of the policy. The following are highlights of what is covered.

1. Guest-Caused Damage: The Safely Protection Program covers both intentional and accidental guest-caused damage to the covered rental property and its contents during the covered period.
2. Pet Damage: The Safely Protection Program covers pet damage, minus any pet deposit or fee the property manager charged the guest. Liability related to pets, such as pet bites, is not covered.
3. Excessive Cleaning:
   
   1. The policy covers excessive cleaning fees from cleaners when extraordinary measures need to be taken, such as stains on carpets and rugs, markings on walls (e.g., a child scribbling on a wall with crayons), biohazardous materials left in the home (vomit, fecal matter, blood, etc.) or cleaning up glass from a broken window, etc.
   2. The policy does not cover things like dirty dishes in the sink/dishwasher, towels on the floor, full garbage bins, or food left in the fridge as these do not constitute actual damage and are considered part of doing business.
   3. Damages covered by the policy include instances where guests break dishes, damage a trash can, or break a shelf in the refrigerator.
4. Smoke Remediation: Excessive cleaning requiring a third party to remediate smoke in your home above the normal cost of doing business is covered. This is only applicable to homes where smoking is not allowed.
5. Guest’s Stolen Property: The policy covers the homeowner’s liability to the guest. It is important to determine if there is potential liability to the homeowner. For example, the homeowner (or property manager) is likely responsible if the theft is committed by someone hired for property services or if the property lacks proper security, such as functional locks and latches. If the property is adequately secured and the thief forcibly enters by breaking a lock, the homeowner is likely not liable, and the loss may not be covered.
6. Homeowner’s Stolen Property: The loss may be covered under the policy if the theft was committed by the guest or the guest was involved in the theft. Otherwise, the theft may be covered under the regular homeowner’s policy because the theft is not due to the guest.
7. Items Covered up to $200.00: Money, banknote, bullion, gold other than goldware, silver other than silverware, platinum other than platinum-ware, coins, medals, smart cards.
8. Items covered up to $2,500 or the Policy Contents Limit, whichever is lower:
   
   1. Securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets, and stamps
   2. Watercraft
   3. Trailers
   4. Theft or damage of jewelry, watches, furs precious and semiprecious stones, artwork
   5. Theft or damage of firearms
   6. Theft or damage of silverware, goldware, platinum-ware