There are endless examples of accidents. They include red wine stains on couches and rugs, broken lamps, broken windows, a dropped skillet on a glass cooktop ... the list goes on. Any of these can add up to a hefty price tag. When you consider coverage that covered 100% of the repair was put in place for somewhere between $59-$79 the savings is considerable.
Another benefit is the elimination of the upfront cost of damage deposits. Lodging providers requirements vary but its not uncommon for damage deposits to be $500 or much more. That's more cash needed to fund a vacation even with the promise of getting it back if there is no damage.
Lastly, guests are at the mercy of fairness and honesty. Cleaning crews have been know to have an accident and report damage as guest damage. The result is an argument over whether the guest was really the responsible party claiming the damage was not there when they checked out. It can be a uncomfortable (& costly) situation.
Bottom line is both parties benefit when damage protection is in place.
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