CiiRUS Protect helps protect eligible short-term rental reservations against certain guest-caused damage, guest liability situations, bed bug incidents, smoking-related cleaning costs, and limited golf cart-related incidents. This guide explains the coverage in practical terms so you know what the policy is designed to help with, what it does not cover, and what to do if something happens.

This is a plain-English summary for your convenience. The actual terms & conditions and policy declarations control in all cases. The policy applies to eligible houses, condos, or apartments used for short-term rental stays. It does not apply to hotels, motels, inns, or long-term residential leases. A “short-term rental” means a stay of less than 60 days under a valid rental agreement.

The default sell price to guests is $75, which will be automatically configured for you when you enroll. CiiRUS will collect $63 from you at the end of the month the reservation is added. If the reservation is added the same month as arrival, it will be collected immediately. The difference between the sell price and the CiiRUS collection stays with you ($12 if using recommended sell price).

If a reservation cancels before arrival but collections have already been made for the policy, we will automatically refund at the end of the current month.

1. Guest-caused contents damage

CiiRUS Protect may cover accidental physical loss of, or damage to, covered property caused by a guest during an eligible rental stay. Covered property generally means movable contents and personal property located at the accommodation, owned by you or in your care, custody, or control.

In plain English, this can include things like furniture, décor, appliances, household items, and other movable contents inside the rental, as long as the item is eligible under the policy.

The policy can pay to repair or replace covered property, subject to the policy limits, deductibles, and claim review. For individual items, settlement is generally based on the actual cost to repair or replace the item, up to the amount required to repair or replace it. For building/real-property damage, if the damage is repaired or replaced within a reasonable time, settlement may be based on the actual cost to repair or replace; otherwise, actual cash value may apply.

2. Bed bug infestation coverage

CiiRUS Protect may cover certain costs tied to a confirmed bed bug infestation at the covered property. The infestation must be confirmed by a recognized pest control association member company.

Covered bed bug costs may include:

Remediation costs, such as cleanup and replacement of soft furnishings like linens, bedding, furniture coverings, rugs, throws, and floor coverings.

Temporary relocation and accommodation costs for guests, but only when relocating the guest to a hotel, motel, or inn. Relocation to another short-term rental does not qualify.

Loss of contracted stay revenue from cancellations of reservations that were made on or before the date of the bed bug infestation. Revenue coverage only begins 72 hours after discovery of the infestation.

Bed bug coverage is limited to one claim per accommodation per policy period, and the limit is the amount shown in the declarations. Written notice must be provided within five days of learning about the infestation, and Tint may require the pest control confirmation report.

3. Smoking-related cleaning expenses

CiiRUS Protect may cover reasonable costs to remove smoke odor when a guest smokes or vapes inside the accommodation in violation of a valid rental agreement that clearly prohibits smoking.

Covered costs may include professional-grade ozone or hydroxyl treatment, wall washing, carpet cleaning, upholstery cleaning, and associated rental income loss during the remediation period.

The smoking-related cleaning limits are:

The maximum aggregate smoking-related cleaning limit per policy period is $10,000.

Important: smoking coverage only applies if the rental agreement explicitly prohibits smoking. If your agreement does not clearly say smoking is prohibited, this coverage may not apply.

4. Golf cart damage and liability

If a golf cart is provided by the owner and qualifies under the policy, CiiRUS Protect may cover certain golf cart-related incidents.

For property damage, the policy may pay to repair or replace a covered golf cart when it is damaged by an accidental, sudden, unintended event while operated by a guest at the accommodation or within one mile of it during the rental period.

For liability, the policy may cover amounts the insured is legally obligated to pay for bodily injury or property damage caused by operation of the golf cart at the accommodation or within one mile of it during the rental period. This golf cart liability coverage is excess over other primary coverage.

Golf cart coverage does not apply to underage operation, use on roads or areas where golf carts are not legally allowed, racing, speeding, off-road use, reckless use, mechanical breakdown, poor maintenance, unapproved modifications, commercial use, intoxicated operation, or illegal operation.

5. Guest injury and liability coverage

If the selected coverage includes liability, CiiRUS Protect may cover amounts the insured is legally obligated to pay because of bodily injury or property damage caused by an occurrence during the rental period at the covered accommodation. This applies when the insured is deemed liable for injury or property damage sustained by a guest during a contracted stay.

The policy also includes a duty to defend covered lawsuits, meaning the insurer may defend the insured against covered claims. The duty to defend ends when the applicable insurance limit has been used up through judgments or settlements.

6. Guest medical payments

CiiRUS Protect may pay certain medical expenses for a guest who is injured by an accident in or on the accommodation during the rental period. These payments can apply regardless of fault, subject to the applicable limits and policy requirements.

Expenses must be incurred and reported within one year of the accident.

Covered medical expenses may include first aid, necessary medical care, surgical care, X-rays, dental services, ambulance services, hospital care, professional nursing, and funeral services.

CiiRUS Protect is not a catch-all replacement for property insurance, homeowner insurance, commercial liability insurance, maintenance reserves, or guest security deposits. It is designed for specific covered situations tied to eligible short-term rental stays.

Examples of items or situations that are not covered include:

Money, securities, jewelry, precious items, one-of-a-kind artwork, pets or animals, land, lawns, patios, driveways, docks, underground pipes, electronic data, valuable papers, firearms, motor vehicles, and property outside the accommodation such as common areas, lobbies, hallways, shared amenities, and communal spaces.

General exclusions also include normal wear and tear, breakdown, cosmetic damage, deterioration, rust, mold, rot, birds, vermin, rodents, insects, mysterious disappearance, fines or penalties, regular maintenance labor, claim-filing labor, and worn-out linens.

Damage connected to parties, weddings, reunions, events, or similar group activities is excluded. Pet-related damage is excluded unless the rental agreement specifically states that the accommodation is pet-friendly.

For liability, important exclusions include intentional or expected injury, liquor liability, motor vehicles, adventure activities or “experiences,” undisclosed cameras or cameras in private spaces, animals, mold/fungi/spores/bacteria, weather-related “acts of God,” war, nuclear events, and intentional or illegal acts.

In CiiRUS, go to Owners & Listings > CiiRUS Protect > Configure CiiRUS Protect.

Simply tick the box "Enable CiiRUS Protect"

This button completes the following steps for you automatically:

What you may still need to do:

We're taking care of it for you! Our team will automatically add the new extra to your system for you between August 1-3rd, and will roll back the old one. You may still wish to take the following actions on or after August 3rd when the rollover is complete:

Claims can be conveniently submitted and managed right inside of CiiRUS. There is no need to log into a separate system or manually handle claims outside of the PMS.

Navigate to Owners & Listings > CiiRUS Protect > Claims.

The list here shows all submitted claims, and provides pickers for you to quickly filter by status, incident type, reservation ID, and unit.

Click the blue clipboard icon or double-click a row to open the claim details. Here you can exchange messages with the adjuster, add and review attachments pertaining to the claim, and check the status/payout of the claim.

To add a new claim, press the blue "File a Claim" button above the claims list.

The built-in assistant walks you through a step-by-step process to add the claim.

Prior to beginning the claims process, take account of the following steps:

After all required claim documentation is received, the insurer will give notice of its intentions within 15 business days. If the claim is approved, payment will be issued within five business days after approval. You will receive an email from Tint requesting your payout information the first time a claim is processed. They will retain this account on file for future payouts.

For liability claims or lawsuits, notify the insurer in writing as soon as practical, keep copies of all demands, notices, summonses, or legal papers, and do not admit liability, make voluntary payments, or assume obligations without prior written consent, except for first aid.

To get notifications when an adjuster contacts you for more information or a result is rendered on a claim, be sure to enable the notifications.

Navigate to User & Account Settings > Users & Permissions and press the "..." icon to the left of your profile.

Select "Notifications".

Enable the notifications for Claim Payment Status Changed, Claim Status Changed, Policy Changed Status, and New Message on Claim, which are all under the "Reservationist" heading.

Currently, these notifications are SMS and Push only. Emails notifications will be launching shortly.

There's no need to send in reports for policy billing! On the 1st day of the month, you'll be automatically charged via your existing CiiRUS payment method for policies sold in the prior month.

For reservations that book with arrival in the same month, collection automatically takes place within 24-48 hours of the reservation being added. Claims can only be processed for paid policies, so it's important the policy has been paid for prior to arrival.

If you end up cancelling a reservation prior to arrival that you were already billed for, a refund will be issued automatically on the first day of the month after the reservation was cancelled. There is no need to go out of your way and report cancellations to us or Tint.

If you were on the legacy CiiRUS Protect plan with Rental Guardian, any reservations arriving BEFORE August 3rd 2026 will be covered by them and follow their existing procedures for billing and claims. Any reservations that were booked before August 3rd 2026 but arrive after August 3rd 2026 will be covered by the new Tint plan. Payment will be collected for these on the 1st day of the month following arrival. You will not be billed by booking placement date for these as you would have been if they were new bookings. You will be billed by arrival at the old plan's costs/margins.

If you wish to no longer use CiiRUS Protect, contact us via email at [email protected] for subscription assistance.

You will be given the option to retain the plan on existing reservations or cancel the plans.

Unless you cancel the reservations or explicitly request to have policies cancelled when you unenroll, it is assumed that you wish to retain the protection on existing reservations. Bear in mind that you will still need to access to CiiRUS for as long as you wish to be able to manage the claims.