Damage Protection in VRBO? Do you use it?

[Pam Smith]

Hi all-

When creating my listing on VRBO I noticed that you can have guests pay up to $99/stay for up to $5000 in damage protection. I believe it's through a 3rd party insurance carrier. Does anybody use this for guests? If so, have you had to file a claim and how was the process and end result? If not, do you do anything else, outside of a security deposit and STR insurance, for damage protection?

Thanks!