I recently had a claim with DUUO and the experience was very positive. I unfortunately had a substential damage to my furniture from a short term renter. Fortunately, I bought coverage from duuo. The initial consultation call was taken good care of, and then a claim specialist worked through the process with me. During the process there was a staff change so I experienced a delay for about two weeks but then another specialist took over and moved to close the claim really quick once all the documents and evidence are evaluated. I am very glad that I bought the insurance. There is a $1000 dedcutable for the furniture damage, but if I were not with DUUO I would have to pay substantially much more out of the pocket. I find DUUO very trustworthy, responsive and sympathetic during this claim process. Talking with DUUO staff was a totally different experience from talking with the "Airbnb host guarantee program" staff. The Airbnb program that suppose to protect host was proven completely useless. I will never rent out my property for short term without the DUUO coverage.