LocalShield Protection
$1M Liability + Up to $10K.
Damage Coverage. Zero Cost to You.
Dual-layer protection for your home--guest-funded, fully managed by LocalVR, and built for the realities of short-term rental ownership.
LocalShield is LocalVR’s homeowner protection program, automatically included with every guest stay.
It combines:
Damage Waiver Coverage: Up to $10,000 for guest-caused damage.
Liability Insurance: Up to $1,000,000 for injuries or property damage on non-Airbnb stays
Legal Defense: Full coverage for qualifying lawsuits
Deductible Offset: Damage waiver funds cover liability deductibles ($3,500 or $2,500)
What Is LocalShield?
What’s Covered?
Guest Damage
Broken couch, stained rug, cracked TV screen
Guest Injury Liability
Fall on icy steps, trip over unmarked stair
Property Damage Liability
Kitchen fire, burst pipe, water damage
Legal Defense
Covered legal fees and settlements
Hear it From Our Homeowners
“Before LocalVR, we constantly worried about what would happen if a guest broke something or got injured. Now? We know we’re protected—and we’ve never had to chase down a claim.”
— Amy L., Lake Tahoe homeowner since 2019
Why Homeowners
Choose LocalShield
Avoids hitting your homeowner’s insurance
Real protection, not platform guesswork
Guest-funded = no impact to your margins
Protects both small accidents and major risks
