A recent survey conducted in tandem by Lodgify and UK insurer, Scofield’s, asked short-term rental owners what concerns them the most about their renters. The #1 answer? Guests injuring themselves, with over half selecting that as their main concern. Next came property damage, weighing in with 44% of respondents citing this concern. Theft rounded out the top three.

The good news? All of these top issues are covered with commercial short-term rental insurance. If these are your top concerns as a property owner, you should sleep better at night knowing that you’re protected by your vacation rental insurance provider. A commercial vacation rental insurance provider typically covers both injury (and therefore, your liability as an owner) as well as property damage.

See the full results of the survey, which also gives examples of expensive claims (in British pounds, but you’ll get the idea).