So, I just booked a place in VRBO. I have only booked on VRBO once prior but cancelled it about a month later. This is a pied-a-terre in the French Quarters in New Orleans. After going through the booking process, it asked for one of two options: Option one: Pay $59 damage insurance for coverage up to $1500 Option two: Pay an extra $1500 upon booking, refundable if there is no damage I choose option one, not because I am worried that my, DH, my 15 or 17 year old will cause damage, but because it said the refund is not guaranteed and I didn't want to enter this place and find some existing damage and get blamed for it after the fact. I am wondering if this is normal? I suppose this is considered a luxury condo. It is three floors, master bedroom on second floor, and another bedroom on third floor. Completely renovated in 2013 and they list some fancy-schmancy interior designer. Building has four condos, the back one I booked it states holds historic value as old slave quarters for the mansion. Just made me think, wow, how many other places do this? Also, unlike or second choice that wanted just a down payment and then a schedule for the remainder balance, this place wanted the entire amount up front. Second choice had a 30-day cancellation, the one I choose has a 14-day cancellation.