InsuraGuest, Inc.

Vacation Rental Warranty Plan

Your participation in, and payment for, the subscription services offered by InsuraGuest includes your participation in InsuraGuest’s Vacation Rental Warranty Plan (the “Warranty Plan”). By participating in the Warranty Plan, you are agreeing to the terms of the Warranty Plan, as detailed below, in addition to your agreement to the Terms of Service related to InsuraGuest’s products and services. The terms of InsuraGuest’s Warranty Plan are:

1.0 Eligible Properties

1.1 Commercial Vacation rental properties which are covered by a paid and effective subscription offered by InsuraGuest also participate, as part of that paid subscription, in the Warranty Plan.

1.2 Only properties used for commercial vacation rental purposes which are covered by a paid subscription (“Eligible Properties”) are eligible to participate in the Warranty Plan. Properties not covered by a paid subscription, even if the owner of the property has enrolled another of the owner’s properties under a paid subscription, are not Eligible Properties. Each property must be subject to own paid subscription.

1.3 Properties used as personal residences by either an owner or a renter, including, but not limited to, single-family or dwellings, individual condominium units, town houses and modular homes, multi-family dwellings, duplexes, and multiplexes, if the same are used as a personal residence and are not used as a commercial vacation rental proprety, are not Eligible Properties and are not eligible to participate in the Warranty Plan.

1.4 Commercial properties used for purposes other than vacation rentals also are not entitled to participate in the Warranty Plan. Examples of such excluded properties are residential properties used for business purposes, including, but not limited to, dwellings used for rest homes, day care centers, schools and/or professional offices.

1.5 Also, common areas of any property, commercial or otherwise, and any items of personal property located on such common areas, are not subject to participation in the Warranty Plan.

2.0 Scope of Coverage

2.1 The Warranty Plan covers certain items of personal property (“Covered Items”): (1) owned by the owner of an Eligible Property; (2) located in the Eligible Property; (3) damages or destroyed while the located in the Eligible Property; and, (4) such damage or destruction results from reasonable and expected use of the item in connection with the commercial-vacation-rental purpose of the Eligible Property.

2.2 If a Covered Item is damaged or destroyed and such damage or destruction occurs while the Covered Item is being used reasonably and as part of the expected use of the item in connection with the commercial-vacation-rental purpose of the Eligible Property, InsuraGuest will either pay the “Repair Cost,” as defined herein, for the Covered Item, or the “Replacement Cost,” as defined herein, for the Covered Item. InsuraGuest shall have the sole discretion to choose between paying for the Repair Costs or the Replacement Cost of items eligible for such payments. However, if a damaged item cannot be repaired, in InsuraGuest’s estimation, to put the item in reasonable usable condition, InsuraGuest will pay the Replacement Cost of the eligible item.

2.3 The Warranty Plan provides for the payment of the designated Repair Cost or Replacement cost of a damaged or destroyed Covered Item only, without regard to the value of the Covered Item at the time it is damaged or destroyed. No payment above the designated amounts set forth the List of Covered Items will be made for any Covered Item.

3.1 The Warranty Plan only covers Covered Items within an Eligible Property which are damaged or destroyed during a month a in which a subscription to the Warranty Plan has been paid in full.

3.2 The Warranty Plan is not a residential “home warranty” and does not cover repair or replacement of an Eligible Property’s major components, such as the furnace, HVAC, plumbing, computer network, electrical systems, solar, wind or hydro energy systems, swimming pools, spas, hot tubs or similar systems. The Warranty Plan does not cover water heaters, or any item not listed on the List of Covered Items.

3.3 The Warranty Plan is not “homeowner insurance” or any other kind of insurance and does not cover major perils such as fires, hail, property crimes, and water damage that could affect the entire structure or the homeowner’s personal possessions.

3.4 The Warranty Plan is not “renter’s insurance” and does not cover the personal property of your guests, renters or their guests.

3.5 Personal Property within the Eligible Property which is leased, rented, subject to any purchase plan, or otherwise not owned by the owner of the Eligible Property is not covered by the Warranty Plan.

3.6 The Warranty Plan does not cover repair or replace malfunctions covered by a manufacturer, distributor, builder, or an extended warranty.

3.7 Coverage for repair of Covered Items does not include routine maintenance. The property owner is responsible for all such maintenance specified by the manufacturer.

3.8 The Warranty Plan does not cover item of personal property containing, using, or related to relating to any hazardous or toxic material including, but not limited to, acids, asbestos, lead and lead based products, red-tagged units, gas leaks, carbon monoxide leaks, and any other hazardous contaminants.

3.9 The Warranty Plan does not cover repair or replacement of Covered Items to meet current or amended building or zoning code requirements or to correct for code violations including when the Replacement of a Covered Item is necessary.

3.10 The Warranty Plan does not cover the costs of removal or disposal of any damaged or destroyed Covered Item.

3.11 InsuraGuest will not be liable for any violations of federal, state and local laws, regulations or guidelines and will not perform repairs or replacements that violate any current federal, state and local laws, regulations or guidelines.

4.0 What Items Are Covered

4.1 Only items of Personal Property specifically identified in the List of Covered Items are Covered Items under the terms of the Warranty Plan. InsuraGuest reserves the right to add items to, and remove items from, the List of Covered Items as InsuraGuest deems appropriate. Subscribers must review the List of Covered Items to confirm the status of Covered Items under the terms of the Warranty Plan.

4.2 While all claims under the Warranty Plan require documentation proving the damage or destruction of the Covered Item for which a claim is made, InsuraGuest’s payment Repair Costs and Replacement Costs for Covered Items for claims exceeding $3,000 per month for Covered Items damaged or destroyed within the same one-month period may require, at InsuraGuest’s discretion, documentation such as, but not limited to, police reports regarding circumstances surrounding the damage or destruction which  involve criminal conduct.

4.3 The Warranty Plan does not cover any item of personal property not included in the List of Covered Items. InsuraGuest has the sole right under the terms of Warranty Plan to determine the applicable character and category of Covered Items the item for which Repair Costs or Replacement Costs are sought.

5. 0 Making a Claim

5.1 To make a claim for Repair Costs or Replacement Costs under the Warranty Plan, an owner of an Eligible Property must contact InsuraGuest within 48 hours of learning of the damage to or destruction of a Covered Item, fill out a claim form and provide at least the following information:

a. The date and approximate time of the incident which resulted in the damage or destruction of the Covered Item;

b. A description of the Covered Item damaged or destroyed sufficient to identify the particular Covered Item and distinguish it from similar Covered Items;

c. The location of the indent which resulted in the damage or destruction of the Covered Item, including the identification of the Eligible Property in which the Covered Item was used located;

d. Contact information for the owner the Eligible Property;

e. A description of the incident which resulted in the damage or destruction of the Covered Item; and,

f. Photographs of the damaged or destroyed Covered Item.

5.2 Insufficient information regarding a claim may delay the processing of the claim by InsuraGuest or may result in the denial of the claim.

5.3 The owner of the Eligible Property making a claim agrees to cooperate in the adjudication of any claim, including but not limited to: allowing the representative of InsuraGuest the right to inspect damaged or destroyed property or the premises at any time, and providing documents, correspondence, invoices, receipts and photographs as requested by InsuraGuest. 

5.4 By submitting a claim, the owner of an Eligible Property represents and warrants that the information submitted by the owner in connection with the claim is accurate and true.

6.0 Termination of Coverage

6.1 Non-payment of the subscription fee terminates coverage under the Warranty effect as of the date of non-payment.

6.2 Any breach of the Terms of Service or the terms of the Warranty Plan terminate coverage under the Warranty Plan.
InsuraGuest has the right to cancel a property’s participation in the Warranty Plan at any time, for any reason.

6.3 If InsuraGuest terminates coverage for an Eligible Property under Warranty Plan before the end of any month, InsuraGuest will refund a prorated portion of the subscription fee for unused portion of the month of termination.

6.4 InsuraGuest reserves the right to deny participation in the Warranty plan to the owner of any property which, in the opinion of InsuraGuest, abuses coverage benefits.

7.0 Other Provisions of the Warranty Plan

7.1 These terms of the Warranty Plan supplement InsuraGuest’s Terms of Service which link to this Warranty Plan. Subscribers participating in the subscription services offered by InsuraGuest are subject to both the Terms of Service and the terms of the Warranty Plan.

7.2 InsuraGuest has the right to amend or revise the terms of the Warranty Plan, as well as the Terms of Service, at any time at its discretion and subscribers to InsuraGuest subscription services are deemed to be bound by any changes to the Terms of Service or changes to the Warranty Plan.

7.3 If any provision of the Warranty Plan is held invalid, illegal, or unenforceable, the validity, legality, or enforceability of the remaining provisions shall in no way be affected or impaired thereby.

7.4 The Warranty Plan provides for the Repair Costs or Replacement Costs detailed in the Warranty Plan, and by participating in the Warranty Plan a subscriber to the Warranty Plan agrees that InsuraGuest has no liability to the subscriber for any consequential damage the subscribers may incur in connection with damage to or destruction of a Covered Item, and agrees that any claim the subscriber may have for damages for any breach of the terms of the Warranty Plan by InsuraGuest is limited to the monthly subscription fee actually paid by subscriber in the month in which the claim breach occurred.

7.5 InsuraGuest reserves the right to pause, or terminate, an account’s participation in the Warranty Plan pursuant to the Account Health Status of the account per the terms detailed in the “Account Health Status” page located here.  If an account’s participation in the Warranty Plan is paused, the monthly subscription fee shall remain due and payable as long as participation in InsuraGuest’s other programs is made available to the paused account, even though the accounts participation in the Warranty Plan is paused.  InsuraGuest may, at is discretion, modify the terms on the Account Health Status page.

7.6 In the event of any dispute or controversy arising out of or relating to the Warranty Plan, the subscriber agrees to file a written statement outlining its dispute emailed to InsuraGuest at info@insuraguest.com, and to allow InsuraGuest 30 calendar days to respond to subscriber’s statement prior to subscriber taking any other action.