An owner asks: "I was wondering if you know any companies that would do damage insurance? I'd like to have insurance for smaller claim items that would not go against my homeowner's policy for my vacation home. I have a luxury property, and someone could easily do $5,000 worth of damage, and I wouldn't be able to get that amount in a refundable deposit. Any suggestions?" Christine explains the best way to prevent damages at your vacation rental.

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