**The problem it solves** Vacation rental property managers need to offer guests travel protection and damage coverage at booking without building insurance relationships or managing claims in-house, and without replacing their existing PMS or booking workflow. **What Rental Guardian does** Rental Guardian is an insurance distribution platform and API that enables vacation rental operators and software providers to embed travel protection and property damage coverage products into guest booking flows, acting as a distribution layer that connects operators with licensed insurance carriers. **How it works** Operators and PMS partners integrate Rental Guardian's white-label API to offer four coverage categories at checkout: travel insurance for trip cancellation, interruption, and medical coverage; accidental damage protection replacing traditional security deposits with a per-booking fee; liability coverage for property managers and owners; and corporate housing damage protection for extended stays. Policy documents are delivered digitally to guests at booking. An online trackable claims tool with real-time status updates handles incident documentation and reimbursement workflow. Property coverage is available up to $1M under the Home Guardian product line. The platform supports multi-level distribution structures for agencies and sub-producers. Rental Guardian operates as a division of Inhabit IQ. **Who it's for** Vacation rental property managers and PMS/booking software providers seeking to embed guest protection products into their workflows without managing insurance carrier relationships or claims infrastructure directly.
Listed on STR Market Map, the short-term-rental software marketplace.