Rent with confidence.

Every rental booked through Listd is backed by the Listd Guarantee — a discretionary goodwill fund that helps make renters and owners whole when something goes unexpectedly wrong.

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Accidental damage

If a rented item is accidentally damaged during the rental window, the Guarantee may cover repair or replacement costs up to $500 per claim.

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Photo documentation

Claims are supported by inspection photos taken before and after the rental. The clearer the evidence, the faster the review.

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Deposit protection

Every rental holds a refundable security deposit at booking. The Guarantee supplements the deposit when costs exceed it.

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Fast review

Our team aims to reach a decision within 3 business days of a complete claim submission.

Coverage limits

—$500 per claim — maximum discretionary payout from the Guarantee fund per incident.
—$1,500 per owner per year — aggregate cap across all claims filed against a single owner's listings in a rolling 12-month period.
—Claims must be filed within 72 hours of the rental window closing.

What isn't covered

—Normal wear and tear
—Pre-existing damage not documented at check-in
—Theft or unexplained disappearance without a police report
—Motor vehicles, trailers, or motorized watercraft
—Items rented outside of Listd's payment system
—Intentional damage or fraud
—Lost income or consequential damages

How the refundable deposit is set

The deposit is a flat amount held per booking — not a daily charge. It is fully refunded if the item comes back the way it left. Listd suggests a smart default when an owner lists, and the owner can fine-tune within sensible limits.

—Suggested deposit = the larger of 50% of the item's replacement value or 3× the daily rate, with a floor of $25.
—Hard minimum: $25 once a deposit is enabled. Anything below that doesn't meaningfully cover damage.
—Hard maximum: $500 per booking. Higher-value items rely on the Guarantee fund and (soon) Listd Protect rather than oversized deposits.
—Flat per booking. The same deposit is held whether the rental is one day or seven.

How to file a claim

1
Document the damage
Take timestamped photos immediately. Open the rental on your dashboard and tap "File a damage claim."
2
Submit within 72 hours
Describe what happened, upload photos, and include a repair quote if you have one. Both parties will be notified.
3
We review
Our team reviews the documentation, considers both sides, and reaches a decision within 3 business days.
4
Resolution
If approved, the Guarantee fund covers the shortfall above the deposit, up to $500. Payouts are processed within 5 business days of approval.

What if the renter doesn’t return the item?

Theft is a different beast than damage and we handle it separately. Every Listd rental sits behind real ID verification (Stripe Identity) and a signed agreement, so we always know who has the item.

1
End date passes — owner files a non-return claim. On the rental page, after the return window closes, the owner can flag the rental as not returned. Listd is notified the instant it’s filed.
2
Renter’s account locks immediately. The renter can no longer book new rentals across Listd until the claim is resolved.
3
Deposit auto-capture. The full security deposit held at booking captures to the owner.
4
Rental Non-Return Evidence Packet. If the item isn’t returned within 72 hours of the claim, Listd generates a documented packet the owner can download: the signed rental agreement, all in-app communication, the inspection photos, and the case reference number. The owner takes it to their local police to file a report. Listd releases the renter’s full identity information directly to law enforcement via verified agency channel or legal process — not to the owner — to protect everyone’s safety.
5
Permanent flag. Confirmed non-returns leave a permanent mark on the renter’s Listd account that future Listd staff can see. Theft is one strike.

The Guarantee fund is for accidental damage. For non-return / theft, the deposit + police report is the recovery path — not the discretionary fund.

Important disclaimer

The Listd Guarantee is a discretionary goodwill fund, not an insurance product. Listd LLC, a Pennsylvania single-member LLC registered in the Commonwealth of Pennsylvania, administers this fund at its sole discretion and reserves the right to deny any claim. Payouts are not guaranteed. This program does not constitute insurance and is not regulated as such. Owners and renters are encouraged to maintain their own insurance coverage for high-value items. Listd's Terms of Service govern in the event of any conflict with the description on this page.

Questions? Contact us at support@listd.app.