# Core $5M Damage Protection Policy

Source: https://rovetravel.com/s/rove-core-damage-protection-policy

**Up to $5,000,000 in Host Damage Protection.** Rove's damage protection policy offers Hosts up to $5M of damage protection in excess of $500 per eligible booking, administered by Truvi.

### What's covered (high-level):

- Accidental and intentional guest-caused damage
- Theft
- Damage to contents and furnishings
- Smoke damage (in non-smoking properties)
- Damage from unauthorized parties
- Excessive cleaning and ruined linens/towels
- Service-animal–related damage when house rules are followed (Truvi)
- $500 deductible for all eligible claims; the initial $500 is typically recovered from guests but is not reimbursable with the claim

### Illustrative Exclusions:

- Acts of nature
- Cosmetic wear/tear; damage that can't be proven to have occurred during the stay
- Bodily injury/liability; business interruption and/or loss of income; alternative accommodation costs
- Bookings not screened/approved per Truvi protocols (help.truvi.com)

### Eligibility (what makes a booking "protected")

- To qualify for protection, the stay must be **booked directly on ****RoveTravel.com** and the booking must receive an **Approved** screening decision from Truvi. **Rejected** bookings are **not** covered.
  - Truvi approvals are issued after Truvi screens the guest information against its proprietary databases. For a booking to be eligible, the reservation must include a **verifiable email address and phone number** associated with the guest.

### How Hosts file a claim:

1. **Document immediately.** Take timestamped check-in and check-out photos/videos; retain receipts/quotes.
1. **Submit an Incident Report to Rove.** File as soon as possible, no later than 10 days after check-out. How to Submit an Incident Report (step-by-step): https://help.truvi.com/help/incident-submission-guide
1. **Acknowledgment & review.** Truvi typically acknowledges within ~3 business days and may request more evidence.
1. **Decision timeline.** After complete evidence is received, Truvi targets a settlement decision within 30 business days; payments generally process 3–5 business days after bank details are confirmed.

**Tip for Hosts:** Truvi's FAQ states incidents should generally be reported within 10 days after guest check-out.

Damage protection is administered by Truvi Technologies Ltd.; it is not an insurance policy. Their program is insurance-backed, and all payments and limits are subject to Truvi's terms, and adjudication. Rove's program provides limits up to $5,000,000 per eligible booking subject to Rove’s Terms & Conditions and **Truvi STR Protection Terms & Conditions**: https://help.truvi.com/learning-hub/terms-conditions-str-protection-