Always use VRBO rentals never a problem. The owner probably will have you sign a rental agreement going over the policies. Keep in mind the VRBO owner losses out too if there is a hurricane or anything that keeps you from traveling. You can but travel insurance but even a credit for the next visit would be ok with us. As much as you here about hurricanes we have been really effected by one in going to sxm mostly in hurricane season for over 20 years.