Furnished Finder's Damage Protection Plan is coverage your landlord purchases to protect their property against accidental damage during your stay. If you accidentally damage the home, furniture, or your landlord's things, tell your landlord right away. They file the claim, licensed professionals review it, and if approved, you avoid the disputes that make renting stressful.
Accidents happen. A glass of red wine tips onto the carpet. Your dog decides the hardwood floor needs a little character. A moving box clips the drywall on your way in. For most tenants, that moment comes with a familiar knot in the stomach: how much of this is coming out of my deposit?
If you're reading this, you can take that worry off the table. With Furnished Finder's Damage Protection Plan, accidental damage during your stay is covered. No awkward negotiations, no drawn-out, costly deposit disputes, no surprise bill at checkout.
Here's how it works and what it means for you.
What is the Damage Protection Plan?
The Damage Protection Plan is coverage your landlord purchases through Furnished Finder to protect their property against accidental damage caused during a contracted stay. It's powered by RentalGuardian, and claims are reviewed by licensed professionals at Sedgwick, an independent third party. Not your landlord, and not Furnished Finder.
That independence matters. If something gets damaged, nobody is guessing at repair costs or holding a large security deposit hostage while they think it over. The claim goes to professionals whose job is to evaluate it fairly.
What it covers
The plan protects against accidental damage caused by a tenant during their stay, including:
Contents. Furniture, appliances, and fixtures. Think a stained couch cushion or a cracked glass stovetop.
The home itself. Walls, floors, ceilings, and windows. Drywall holes, carpet stains, an accidentally broken window.
Pet damage. Scratched floors or stained carpet from a furry roommate, on pet-friendly listings.
Bed bug remediation. Nobody's favorite topic, but it's covered.
Claims are evaluated based on replacement cost, not depreciated value, so your landlord gets the repair actually paid for instead of arguing with you about the difference.
What it doesn't cover
The plan is for accidents, not everything under the sun. It does not cover:
Normal wear and tear, meaning the gradual deterioration that comes from simply living somewhere
Intentional damage
Missing items without a police report
Damage that existed before you moved in
Early lease termination
And one that matters for you specifically: this is not renters insurance. It protects your landlord's property, not your belongings. More on that below.
What to do if something gets damaged
This is the part to remember. If you accidentally damage something during your stay:
Tell your landlord right away. Don't wait until checkout and don't try to quietly fix it yourself. Your landlord has a limited window to file a claim after you check out, so early notice protects both of you.
Take photos. Clear pictures of the damage help your landlord document the claim.
That's it. Your landlord files the claim and handles the process from there. You are not part of the paperwork.
The worst thing you can do with accidental damage is hide it. The plan exists precisely so you don't have to. A quick "hey, I'm so sorry, the dog scratched the floor in the living room, here are photos" is the whole job.
How the cost works
Landlords handle the cost of the plan in different ways. Some build it into the monthly rent. Some charge it as a separate line-item fee so you can see exactly what you're paying for. Some use it to reduce or replace the security deposit, which means less cash out of your pocket up front (though many landlords still keep a deposit, often a smaller one, for things the plan doesn't cover, like unpaid rent, an early move-out, or the deductible). And some simply absorb the cost themselves.
Why renters insurance still matters
The Damage Protection Plan covers your landlord's property. It does not cover yours.
Picture a kitchen fire that damages the landlord's appliances and your laptop. The Damage Protection Plan handles the appliances. Your laptop, clothes, and everything else you own? That's what renters insurance is for. It typically also provides liability coverage if a guest is injured during your stay, and can help with temporary housing if the rental becomes uninhabitable.
If you're traveling for work, a renters policy is inexpensive peace of mind that pairs naturally with the protection your landlord already put in place. Take a look at your plan options from Sure (opens in new tab) and get your own things covered too.
The bottom line
This plan was created to prevent a spilled glass of wine turning into a spoiled relationship. Enjoy the home, live like you normally do, and if an accident happens, just speak up quickly. The plan handles the rest.
Have questions about how the Damage Protection Plan applies to your stay? Ask your landlord directly through your Furnished Finder messages, or visit the Furnished Finder support center (opens in new tab) to learn more.