Packhood Host Guarantee: What's Actually Covered
Every Packhood booking ships with a three-layer protection structure. Hosts asking "what happens if my floor gets scratched?" deserve concrete answers, not marketing reassurances. This page gives the concrete answers and quotes the actual numbers from the platform.
The three layers
| Layer | Limit | Scope |
|---|---|---|
| Host Guarantee (per booking, aggregate across claims) | €300 IE/NL · £260 UK | Direct damage to host property caused by a verified renter during a booked period |
| Items cover (per booking) | €25,000 | Reinstatement of damaged host fixtures and adjacent property |
| Host liability cover (per booking) | €100,000 | Third-party liability arising from a booking incident |
These numbers are not aspirational. They are what the platform actually pays out when a claim is upheld, and they apply to every booking with no opt-in plan tier. The €300/£260 figure is the per-booking aggregate that the brand markets; it sits inside the broader €25k / €100k stack, not separate from it.
What the Guarantee covers
- Physical damage to the storage space: floor, walls, fixtures, door mechanisms, lighting fittings.
- Damage to adjacent host property caused by the renter during access: a scraped doorframe, a chipped step, a torn driveway flagstone.
- Costs of restoring the space to its pre-booking condition, where the damage is recent, documented, and attributable to renter activity inside the booking window.
What it does not cover
The honest version saves a row over a denied claim later.
- Wear and tear normal for the booking duration. A two-month garage rental that ends with a slightly dustier floor is not a claim.
- Pre-existing damage that wasn't documented at move-in. Photograph the space at handover. This single five-minute habit settles 80% of disputes before they start.
- Damage to the renter's own stored items. That's the renter's responsibility. See the home-contents-insurance note below.
- Loss of future host income beyond the affected booking period. The Guarantee restores the space; it doesn't backfill bookings you might otherwise have taken.
How to claim
- Within 14 days of move-out, open the booking in your dashboard and file a claim from the booking page.
- Attach photographs of the damage, ideally with the move-in photo set alongside so the trust team can compare states.
- Include a written description of what was damaged, when you noticed it, and how you believe it happened.
- Attach any quotes you've received for repair or replacement.
Packhood's trust team adjudicates within 10 business days of receiving the claim. If the claim is upheld, payout is processed via the same Stripe account the host receives bookings on, typically within 3-5 business days of adjudication.
Where this leaves the renter
Renter items inside a host's space are the renter's responsibility. The standard pathway, at least in Ireland: most home contents policies extend off-premise cover at a named address, with written notice to the insurer and a typical 10-20% sub-limit of the total contents sum insured. Items above €2,500 individual value usually need specific scheduling. The Packhood trust page on contents cover walks through this in detail (`/legal/insurance-stored-items-ireland`).
The reason the cap is €300, not €30,000
Two reasons, both honest. The first: the Guarantee is meant to cover the long tail of small-to-mid claims that traditional commercial self-storage absorbs into operational overhead. The peer-to-peer model can't absorb £25,000 settlements the way a £1.2 billion industry can, so a per-booking cap keeps the model solvent and the protection real. The second: the and sitting above it deal with the genuinely large events. If a renter does serious damage, the layered stack (not the headline Guarantee figure alone) is what pays.
How to read this against a commercial self-storage contract
A commercial self-storage contract typically includes a basic limited-liability cap of around £100 per stored item unless you pay for the operator's add-on insurance tier. Packhood's three-layer structure is included on every booking with no add-on, no opt-in, no separate plan. The headline figures are different shapes (per-booking aggregate vs. per-item), and a fair comparison reads both ends of the stack.
FAQ
What's the per-booking limit of the Host Guarantee? €300 per booking, aggregate across all claims arising from that booking. In the UK the equivalent figure is £260 per booking. This sits on top of and that apply to every booking. How long do I have to file a claim? Within 14 days of move-out. File via the booking dashboard. Include photographs, a written description, and any third-party quotes. The trust team adjudicates within 10 business days. Does the Guarantee cover my renter's stored items? No. The Host Guarantee covers damage to host property. Renter items are covered by the renter's own home contents insurance, which in Ireland typically extends to a named off-premise storage address with written notice to the insurer. Items above €2,500 individual value usually need separate scheduling. What about wear and tear? Wear and tear normal for the booking duration is excluded, as is pre-existing damage. Document the space with photographs at move-in to establish baseline.