The short version
The guarantee applies only to bookings kept on-platform and paid through Stowbo. It covers physical damage to a host's property — never cash or irreplaceable valuables — and it does not replace the renter's own belongings unless a Protection Plan was purchased.
Overview & coverage limit
Stowbo Protection is a program that helps hosts recover from certain physical damage caused by a booked renter, up to a limit of $5,000 per booking. It exists to give hosts extra peace of mind when they open their space to the community.
This is a limited guarantee, not insurance
Stowbo Protection is not an insurance policy, and it is not a substitute for a host's own insurance. It does not create an insurance relationship, and hosts should keep their own homeowner, renter, or commercial coverage in place. The guarantee is a discretionary program offered by Stowbo under the conditions described here.
What's covered
Subject to the limit and conditions, the guarantee may help with:
- Physical damage to the host's space directly caused by a renter during a valid, paid booking.
- Damage to a renter's stored items, only where the renter purchased the optional Protection Plan at checkout and the loss is covered under that plan's terms.
What's not covered
- Normal wear and tear.
- Cash, securities, or irreplaceable valuables.
- Personal injury or third-party liability claims.
- Damage arising from prohibited items or prohibited conduct.
- Any booking or payment made off-platform.
Eligibility conditions
To be eligible, the booking must have been made and paid for on Stowbo, and both parties must have followed these terms, the Acceptable Use & Prohibited Items policy, and the host's listed rules. Off-platform arrangements are never eligible.
How to file a claim
Report the damage to Stowbo within the claim window stated at the time of your booking. You will need to provide photo documentation, a description of what happened, and any supporting records, and to cooperate reasonably with our review, including reasonable requests for additional information.
Claim review & payout timeline
We review each claim on a case-by-case basis. Once we have the information we need, we aim to reach a decision and, where a claim is approved, issue payment to the host's connected account within a reasonable period. Timelines can vary with the complexity of a claim.
Renter responsibility
The guarantee does not relieve a renter of responsibility. Renters remain liable for damage they cause, and Stowbo may seek reimbursement from a renter for amounts paid under the guarantee.