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title: Does Resortifi offer host liability insurance or protection if my property is damaged?
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## Resortifi cover property damage through host liability insurance.

Our Resortifi Protection protects the hosts and guests against unpleasant events during their reservation period, providing them peace of mind with assurance that any injury or property damage is fully covered. 

Hosts and guests can get pub- and-go Protection Guarantee with zero cost – Limited Time offer.

They have two programs to choose from.

1. Host Liability Insurance: In case of any injury during the Resortifi reservation period, the hosts can get up to $1,000,000 worth of insurance coverage by Evanston Insurance Company, an A rated insurance carrier). It covers the lawsuits of the guests against the host in case of bodily injuries, defense costs if there is a legal dispute provided that the host is legally liable. 

2. Property Damage Protection – This protects the hosts against any property damage during the *Resortifi reservation when the guest doesn’t pay for the damage. The host is liable to pay $250 as a contribution if the reservation is for 10 or fewer guests, and $500 if more than 10.

## What's covered?

**Host Liability Insurance**

The host liability insurance covers pool and grill related injuries during the Resortifi booked for and paid reservation period. It is to be noted that at present, the Australia reservations are not covered; however, may be added in near future. 

**Property Damage protection**

Damages to the host’s pool, pool equipment, outdoor furniture, or grills that are rented out during a Resortifi reservation

The property damage protection covers the damages happened to host’s pools, furniture, grills and rented equipment, during the *Resortifi reservation period.

## What's not covered?

**Host Liability Insurance**

Following are not covered by the host liability insurance:

-   Injuries beyond the Resortifi reservation period
-   Pets injuries even during the Resortifi reservation
-   Damages or injuries derived from alcohol consumption
-   Injuries resulting from swings, trampolines or bounce-house/inflatables
-   Injuries from intentional acts such as assault and battery, sexual abuse or molestation
-   Injuries arising from operation of any vehicle during a Resortifi reservation.
-   Natural disasters derived injuries including pollution, earthquakes, and weather-related events like rain, wind, etc.
-   Injuries from communicable diseases, bacteria or microorganisms, or the substances having an actual or potential harm to human health
-   Losses reported after 72 hours of the date of the reservation and/or not sufficiently documented.

**Property Damage Guarantee**

Following are not covered by the property damage insurance:

-   Damages beyond the Resortifi reservation period
-   Damages caused by pets, children or others living in the host’s home
-   Losses coming from manufacturer’s or a product’s faults, or from pre-existing damages or states of the item or property, usual wear and tear, or deterioration
-   Losses coming from theft or stolen property
-   Losses arising from intentional acts like identity theft or fraud
-   Losses due to natural disasters like pollution, earthquakes, and weather-related events like rain, wind, etc.

## Is the Resortifi Protection Guarantee an insurance program?

The Resortifi Protection Guarantee is the mutual agreement that protect hosts and guests, and is subject to the Resortifi’s Terms of Service.

-   This program doesn’t substitute host’s home owner policy but can partially cover the gap of the same through its insurance-backed coverage, available without any additional charges for all Resortifi platform’s reservations.
-   For property damage, Resortifi’s Terms of Service make guests responsible to bear any property damage to a host’s property. In case of any conflict, the program’s applicable coverage protects the host.  

These programs are not like a stand-in for homeowners’ insurance.

Based on the claim and its amount, the reimbursement under the Resortifi Protection Guarantee might be paid by Resortifi. 

## Reimbursement Claim Filing – What to do before?

Parties are encouraged to resolve the matter mutually for small claims by contacting with each other via secure messaging platform offered by the Resortifi Protection Guarantees. If not resolved, the claims can be forwarded to contact Resortifi Customer Care claims team at: support@resoritif.com.

The team tries to resolve the matter by facilitating settlement; however, such dispute should be communicated to them on immediate basis.

If you already hold an insurance that may cover full or partial cost arising out of damage or injury during the reservation, like home owner insurance or health insurance, it is advised to file a claim against that policy prior to file Resortifi reimbursement claim.
