Damage protection built into OwnerRez
Velaris enrolls OwnerRez reservations automatically — including direct bookings — so your damage program covers every channel with one set of rules and one claims process.
Running on OwnerRez?
OwnerRez is a power-user property management platform known for flexible automation, direct bookings, and an engaged professional community.
Velaris is built for independent professional managers who want deep control — the program layers (damage waiver, liability, guest injury, company coverage) attach per reservation through the OwnerRez connection.
- 1Approve read-only access to your OwnerRez reservations — no write permissions, no workflow changes
- 2Set your guest damage fee and program rules with your Velaris advisor
- 3Every confirmed OwnerRez reservation enrolls automatically, across all connected channels
- 4File claims from your dashboard with booking and guest context already attached
What the OwnerRez connection unlocks
Add or remove listings and the program follows — your coverage always matches the portfolio your PMS says you manage.
Airbnb, Vrbo, Booking.com, and direct reservations all enroll through the PMS — including the direct bookings platform protection never touches.
Reservation, guest, dates, and property come straight from the PMS record. Guest damage claims are typically reviewed and paid within 2 business days.
Certificates of insurance and homeowner coverage notices are generated per property, using the portfolio data already synced.
Use a different system too? Velaris connects to 80+ platforms — see the full integration list.
OwnerRez Damage Protection and Enhanced Damage Protection vs. Velaris
If you run on OwnerRez, you have probably been offered OwnerRez Damage Protection and Enhanced Damage Protection. It is a reasonable product for what it is. The question is whether a per-stay add-on is enough for a professionally managed portfolio, or whether you want a program you control. Here is the factual comparison.
| Feature | OwnerRez Damage Protection and Enhanced Damage Protection | Velaris program |
|---|---|---|
| Provider | RentalGuardian, through InsureStays (Sandhills Insurance Group, LLC) | Velaris Insurance, licensed in all 50 states |
| How it's sold | Host-paid per booking; once enabled it is mandatory on every booking for enrolled properties, invoiced monthly by OwnerRez; claims must be opened within 14 days of check-out | Guest-paid damage fee you set ($69–$199 per reservation) plus $9 per reservation administration |
| Pricing | Standard, per booking: $13 for $500, $27 for $1,500, $45 for $3,000, $69 for $5,000. Enhanced, per booking per 30 days: $23 to $79 | Published: $9 per reservation, plus the damage you retain below your selected retention |
| Limits | Standard: $500 to $5,000 contents per booking, no deductible. Enhanced adds $1M host liability ($5,000 deductible), bed-bug remediation and, at Platinum, $1M real-property protection | Program limits you choose; insurance responds above your retention, so a large loss is not capped at a per-stay figure |
| Who keeps the fee | Set by the provider; margin stays with them | You. Fee revenue is yours; expected damage is paid from program funds |
| Reservations covered | OwnerRez reservations enrolled in the product | Every reservation synced from OwnerRez, on every channel, direct bookings included |
| Beyond guest damage | Guest damage only | Liability, guest injury, business interruption, and company coverage in the same program; COIs on demand |
| Claims | Filed with the provider on its timeline | Filed from your dashboard with the booking attached; typically reviewed and paid within 2 business days |
The per-booking premium goes to the provider rather than to you, contents coverage is capped at the tier, the liability layer carries a $5,000 deductible, and there is no company coverage or certificate of insurance in your name. Facts about OwnerRez Damage Protection and Enhanced Damage Protection were checked against the published product page on 2026-09-09; confirm current terms with OwnerRez.
OwnerRez integration questions
How does the Velaris OwnerRez integration work?
Velaris connects to OwnerRez with read-only access to reservations. Confirmed bookings enroll in your damage program automatically, the guest damage fee applies per reservation, and claims reference the OwnerRez booking record. Nothing about how your team uses OwnerRez changes.
Do I need to change anything in OwnerRez?
Beyond adding your guest damage fee to listings, no. The integration is read-only: Velaris observes reservations to run enrollment, escrow accounting, and claims — it doesn't write to your OwnerRez account or alter bookings.
Which reservations are covered?
Every confirmed reservation that syncs through OwnerRez under your program rules — regardless of the channel it was booked on. That includes direct bookings, which platform protection products never cover.
How long does setup take?
The connection itself takes minutes; most portfolios are fully live — fee configured, escrow funded, homeowners notified — inside a couple of weeks. Your Velaris advisor runs the launch checklist with you.
Should I use OwnerRez Damage Protection and Enhanced Damage Protection or Velaris?
OwnerRez Damage Protection and Enhanced Damage Protection is host-paid per booking; once enabled it is mandatory on every booking for enrolled properties, invoiced monthly by ownerrez; claims must be opened within 14 days of check-out from RentalGuardian, through InsureStays (Sandhills Insurance Group, LLC), priced at standard, per booking: $13 for $500, $27 for $1,500, $45 for $3,000, $69 for $5,000. enhanced, per booking per 30 days: $23 to $79 with limits of standard: $500 to $5,000 contents per booking, no deductible. enhanced adds $1m host liability ($5,000 deductible), bed-bug remediation and, at platinum, $1m real-property protection. The per-booking premium goes to the provider rather than to you, contents coverage is capped at the tier, the liability layer carries a $5,000 deductible, and there is no company coverage or certificate of insurance in your name. A Velaris program covers the same OwnerRez reservations for $9 per reservation, with a guest fee you set and keep, insurance above your retention, liability and company coverage in the same program, and COIs on demand. Many operators keep the built-in option as a backstop and run Velaris as the primary layer.
What does it cost?
The same transparent pricing as every Velaris program: $9 per reservation for program administration plus the actual damage you retain below your selected retention. The guest damage fee you charge is your revenue. See the pricing page for the full model.
Related coverage
Connect OwnerRez to your damage program
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