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Protection plans – In brief | US guests​

How protection plans work

Protection plan cost

How much a protection plan costs depends on the plan you choose. The more a plan costs, the less you’re responsible for paying for damage caused to the host’s vehicle during the trip. The physical damage contract included in a plan limits your out-of-pocket costs for physical damage to host’s vehicle but doesn’t remove your responsibility for interior or mechanical damage you may cause.

When you book a trip, you can see:

  • protection plans available to you
  • amount of third-party liability insurance included in each plan
  • each plan’s out-of-pocket payment limit for physical damage
  • cost of the plan you choose, shown as a separate line item at checkout
  • We reserve the right to change protection plan pricing at any time

Before choosing a plan, learn more about how insurance and protection work and read plan details. See information below for a summary of US guest protection plans and their cost.

Guest protection plan summary and cost

Premier plan

  • Cost is 65% of the trip price; minimum charge of $14/day
  • Includes the minimum amount of third-party liability insurance coverage required by state law. Coverage is secondary to any personal insurance you may have, except in New York where liability insurance will always be primary.
  • Includes a physical damage contract that limits your responsibility to $0 to Resortifi for physical damage to your host’s vehicle; this contract is secondary to any personal insurance you may have
  • Does not include contractual limitation of responsibility for mechanical or interior damage to the host's vehicle
  • Isn’t available for trips booked in some vehicles with a total market value of more than $25,000 or any vehicles with a total market value of more than $60,000.
  • Isn't available to drivers below the age of 21
  • Some guests may be unable to select the Premier plan based on trip details, vehicle type, or other factors

Standard plan

  • Cost is 40% of the trip price; minimum charge of $12/day
  • Includes the minimum amount of third-party liability insurance coverage required by the state where the car is registered; coverage is secondary to any personal insurance you may have, except in New York where liability insurance will always be primary
  • Includes a physical damage contract that limits your responsibility to $500 for physical damage to your host’s vehicle; this contract is secondary to any personal insurance you may have
  • Doesn’t include contractual limitation of responsibility for mechanical or interior damage to host’s vehicle

Minimum plan

  • Cost is 18% of the trip price when the trip price is more than $250; minimum charge of $10/day
  • Cost is 25% of the trip price when the trip price is less than $250; minimum charge of $10/day
  • Includes the minimum amount of third-party liability insurance coverage required by the state where the car is registered; coverage is secondary to any personal insurance you may have, except in New York where liability insurance will always be primary
  • Includes a physical damage contract that limits your responsibility to $3,000 for physical damage to your host’s vehicle; this contract is secondary to any personal insurance you may have
  • Doesn't offer contractual limitation of responsibility for mechanical or interior damage to host’s vehicle

Decline protection

  • No cost
  • You’ll receive the minimum amount of third-party liability insurance coverage required by the state where the car is registered; this contract is secondary to any personal insurance you may have
  • Some guests may be unable to decline a protection plan based on trip details, the type of vehicle, or other factors
  • You’ll be responsible for all costs related to physical, mechanical, and interior damage and for administrative claims fees and appraisal costs