Protect Every Stay. Eliminate Deposits. Stop Paying for Guest Damages.
Smily’s Damage Protection shields your properties from costly guest-caused damages with fast claims, zero disputes, and full compliance built in. No more deposits, no more headaches.
Managing short-term rentals without a reliable protection layer is risky. Deposits cause friction, disputes drain your time, and big incidents can threaten your profitability and owner relationships. Damage Protection removes uncertainty and ensures every stay is covered, automatically.
Join thousands of vacation rental owners and managers who are maximizing their bookings and streamlining their operations with Smily. Don't miss out on the opportunity to enhance your properties' visibility and profitability!
How does Damage Protection differ from a security deposit?
Damage Protection replaces the need for large security deposits and covers a far wider range of damages. A traditional deposit can still be used if you want to protect small items under 100€, but it becomes optional. With Damage Protection in place, you avoid guest friction, eliminate refund administration, and get reliable coverage that doesn’t depend on the guest’s approval.
Are claims really fast?
Yes. Claims are reviewed in about 48 hours and paid in as little as seven business days. Everything is submitted directly through Smily, with no external portals or complex paperwork.
Do I need an insurance license to offer this?
No. Smily provides Damage Protection through a licensed broker partner and bundles it compliantly with a yearly listing audit. You’re offering a protection service, not selling an insurance policy yourself.
What types of damages are covered?
Damage Protection covers accidental damage to furniture, equipment, appliances, décor, and high-value items above 100€, as well as exceptional cleaning costs, pest-control treatments (including bed bugs, rodents, and insects), and loss of income when the property becomes temporarily uninhabitable. It’s a comprehensive safety net designed specifically for short-term rental risks.
Does this replace Airbnb’s AirCover?
No. AirCover only applies to Airbnb bookings and may involve slow reviews or guest participation. Smily’s protection applies across all channels, does not require guest validation, and offers a faster, simpler, more reliable claims experience.
Does it affect the owner’s home insurance?
No. Claims do not touch or impact the owner’s homeowner policy, helping avoid premium increases or exclusions tied to short-term rental activity.
Can I resell this protection to owners?
Yes. Property managers can include Smily Protect as an added service in their management contract to provide owners with stronger protection while generating predictable recurring margin.
