If, during a Stay at a Rental Property, an Insured Person, causes any damage to or theft of, real or personal property of the Rental Property as a result of inadvertent acts or omissions, the Insurer will reimburse the Insured for the cost of repair or replacement of such property up to Maximum Benefit of $3,000.

DEFINITIONS

• “Insured” means a person who: (a) is a registered guest at a Rental Property; (b) completes any required enrollment form for Accidental Rental Damage Insurance coverage; and (c) for whom premium has been paid by check-in at the Rental Property.
• “Insurer” means National Union Fire Insurance Company of Pittsburgh, PA.
• “Insured Person” means the Insured and all persons booked to share the same unit of accommodations at the Rental Property.
• “Natural Disaster” means flood, fire, hurricane, tornado, earthquake, volcanic eruption, blizzard or avalanche that is due to natural causes.
• “Rental Property” means a property owned or managed by the Insured.
• “Stay” means the duration of time from the date the Insured checks-in at the Rental Property to the date the Insured checks-out of the Rental Property.

INSURANCE
Effective Dates: The Accidental Rental Damage Insurance coverage will take effect on the date and time the Insured checks-in as a registered guest at the Rental Property, provided the appropriate premium has been paid.
Termination Dates: The Accidental Rental Damage Insurance coverage will end on the earlier of (1) the normal check-out time on the Insured’s scheduled check-out date from the Rental Property; or (2) the actual date of departure of the Insured from the Rental Property. In no event will the Policy cover a Stay longer than 180 days from the date of check-in as a registered guest at a Rental Property. Termination of coverage will not affect a claim for a covered loss that occurred while the Insured’s coverage was in force.

GENERAL EXCLUSIONS
The Accidental Rental Damage Insurance has certain conditions. The program will not pay a benefit for theft or damage resulting from: a) Natural Disaster; b) Intentional acts of an Insured Person; c) Gross negligence, willful and wanton conduct by an Insured person; d) Any cause, if the Insured does not report the loss or damage to the staff of the Rental Property by the Termination Date; e) Normal wear and tear of the Rental Property unit; f) Loss of use of the Rental Property unit; g) Theft or damage to any property owned by or brought by an Insured Person onto the Rental Property premises; h) Theft or damage caused by anyone visiting other than an Insured Person; i) Theft without a valid police report; j) Damage without a valid police report unless the damage is caused by an Insured Person; k) Damage or theft in a Rental Property unit if the number of persons occupying the unit exceeds that unit’s occupancy limit.

NOTICE OF CLAIMS
All claims will be administered by Travel Guard and the property management company. They will have the sole authority to determine the extent of repairs necessary. All damage or theft for which a claim may be made must be reported to the Rental Property staff no later than the Termination Date. Initial claim form must be submitted by the participating property management company to Mercury Claims & Assistance of Wisconsin, LLC within 72 hours of initial damage. Remaining correspondence including original receipt or invoice, must be submitted within 60 days of the initial filing to be eligible for reimbursement of claim amount. This policy will be strictly adhered to.

GENERAL PROVISIONS
Acts of Agents - No agent or any person or entity has authority to accept service of the required proof of loss or demand arbitration on the Insurer’s behalf nor to alter, modify or waive any of the provisions of the policy.
Concealment or Fraud - The Insurer does not provide coverage for the Insured if the Insured has intentionally concealed or misrepresented any material fact or circumstance relating to the policy or claim.
Dispute Resolution- All suits, actions or legal proceedings seeking determination of the rights and liabilities of the parties under this coverage shall be submitted to binding arbitration in accordance with the Federal Rules of Civil Procedure. A written demand for arbitration hereunder must be made by the Insured and served on the Insurer on or before three years from the date of the loss or be barred. No demand for arbitration can be brought to recover benefits unless 60 days have elapsed following written submission to the Insurer of the Proof of Loss information required.
Legal Actions - No one may sue for benefits less than 90 days after due proof of loss is submitted, nor more than 3 years (or the minimum period of time permitted by state law, if greater) after the date claim forms are due.
Payment of Premium - Coverage is not effective unless all premium due has been paid to Travel Guard prior to check-in.
Subrogation and Right of Recovery - As a condition to receiving Accidental Rental Damage Insurance benefits under the policy, the Insured (or, if he or she is deceased an authorized representative of the Insured) or the person to whom payment was made, agrees, except as may be limited or prohibited by applicable law: (1) to reimburse the Insurer for any such benefits paid to or on behalf of the Insured or such other person, if such benefits are recovered, in any form, from any Third party or Coverage, and; (2) without limiting the preceding, that the Insurer is subrogated, for the purpose of the Insurer’s recovery of any such benefits paid to or on behalf of the Insured or such other person to any and all claims, causes of action or rights that he or she has or that may rise against any Third Party who has or may have caused, contributed to or aggravated the condition for which the Insured claims an entitlement to Policy benefits, and to any claims, causes of action or rights he or she may have against any Coverage for the condition for which the Insured claims an entitlement to Policy benefits. The Insurer will not pay or be responsible, without its written consent for any fees or costs associated with the pursuit of a claim, cause of act on or right by or on behalf of an Insured or such other person against any Third Party or Coverage.
“Coverage” - For purpose of Subrogation and Right of Recovery, means any other fund or insurance