Trip insurance question / cleaning fee / sec dep

I do not use credit card hold as sec dep - instead I have a sec dep surcharge and I later refund ( i just feel safer having money in hand rather than a cc auth). But with that, when trip insurance is calculated, it is applied to the amount of sec dep as well.

Ideally I would think that trip insurance should not be applied to sec dep or the cleaning fee amount, as if guest does not show up, there is nothing to clean. I had a couple of cancellations with insurance on VRBO in the past, and how it works is you refund sec dep and cleaning fee, and the insurance takes care of the rest ( rent plus tax balance).
The reason I am asking is the amount due of trip insurance is overstated when sec dep and cleaning fee is figured in.

Yep, that makes sense. We've got plans to add a feature for refundable secdeps so they are treated like the auths and don't factor into the total. Once that's in place, the travel insurance would automatically take that into account.

Cleaning fees are a little more case by case, as some may not refund those on cancellations, or depending on timing, but at least it would be good to get the secdep factored out.

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Why would the renter have to pay tax if they didn't actually show up for the rental? You wouldn't be getting that money anyway as it would go to the state etc??

Has this feature been added yet?

The refundable secdeps or the cleaning fees? The refundables aren't in yet, but I'm not sure what's being asked about the cleaning fees.

probably whether trip insurance has to be figured including cleaning fee amount. Most think that sec dep and clean fee should not be included when figuring trip insurance amount. While I can see cleaning fee going either way, sec dep should not be included in the amount to which trip insurance %age is applied.