I wouldn’t trust VRBO. We rented through them the spring after Irma. When we arrived it was clear that the owner had misrepresented the accommodations and the villa was uninhabitable. We scrambled and found another place. I obtained extensive photographic and video documentation and submitted that to VRBO and MasterCard. VRBO did nothing and refused to refund my money. When MasterCard eventually refunded my money, VRBO resubmitted charges the next day which were refused. In short, their guarantee is worthless.