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Redefining protection for Vrbo hosts

Designed and launched Vrbo’s Host with Confidence program from zero to one.

  • Role: Lead Product Designer
  • Timeline: Jan – April 2026
  • Strategy area: Fintech monetization & partner value
Vrbo property protection page with Enhanced protection, Standard coverage, and Damage security options

The platform

What is Vrbo?

Vrbo is the world’s second-largest vacation rental platform, part of Expedia Group, connecting millions of travelers with vacation homes through its global network of hosts.

Listings
3M+bookable properties worldwide
Global reach
190+countries where Vrbo is available
Active users
~48Mmonthly active users

Context

Hosts were taking on more risk than they could see.

The problem wasn’t a lack of protection options. Existing solutions still left important risks uncovered.

Hosts remained exposed to chargebacks, property damage, and lost income — creating significant financial risk beyond the cost of a damaged item.

Experience audit

Where the existing experience fell short

The existing Vrbo damage protection settings: no protection, property damage protection with coverage tiers, and a damage deposit

Hosts had to piece together whether they were actually protected across damage, chargebacks, and lost income, rather than feeling confident that their broader business risks were covered.

Redefining the problem statement

Build a new protection product that gives hosts confidence beyond accidental damage — while transforming the existing experience from a complex list of options into a clear, scalable way to discover and choose protection.

Principle 01

Lead with confidence, not coverage

Start from the reassurance a host is looking for, then show the coverage that backs it up.

Principle 02

Make trade-offs comparable

Put cost, coverage, and who pays side by side so a host can weigh options in one read.

Principle 03

One decision at a time

Ask hosts to pick a direction first, then reveal the details that decision actually needs.

Principle 04

Surface protection early

Meet hosts where they already work instead of waiting for them to find a settings page.

Principle 05

Design for the system, not a single screen

Connect discovery, education, comparison, and expansion across the host experience.

Design explorations

How the work found its shape

Property protection in Rules & policies: Host With Confidence, Property Damage Protection, and Guest credit card on hold as equal-height cards

How can comparison help hosts decide faster?

We explored different ways to organize protection options — from tables and columns to rows and cards — to find the clearest way to compare coverage, pricing, and benefit.

Switch iterations

Enhanced protection program card: coverage list and How it works above $10 per night, Select, and an open Highlights row

How should protection options be structured?

We explored different ways to structure each protection option around the details hosts need to make a decision — what it is, what it costs, and what it covers — without overwhelming them with information upfront.

Switch iterations

Host research

60 minute moderated interviews with 10+ premium hosts

Host With Confidence card leading with the value line about no deposits, authorisations, or insurance, above the coverage list

Insight 1

The header needs to do more with the value

The plan name alone wasn't enough to help hosts choose. The header needed to communicate the core value.

Host with confidence card leading with $10 per night and Select, with the coverage list below

Insight 2

Pricing shouldn’t be the primary factor

Who pays and how payment is handled is different in all three scenarios, so price shouldn’t lead the card.

The insights gave us the ingredients. Now we had to turn them into an experience.

A new approach to protection

From overwhelming choices to confident decisions

Vrbo Rules & policies on desktop: Property protection tab with Host with Confidence enhanced protection, Property Damage Protection standard coverage, and Card on File damage security side by side

Inside the card

Making value clear at every glance

The Host with Confidence card with everything below the header faded back, leaving the shield, Enhanced protection, and its promise in focus

Leading with confidence

The header focuses on the reassurance and value the protection provides, helping hosts understand why it matters before getting into the finer details of coverage.

The same card with the header and the price faded back, leaving the coverage checklist and How it works in focus

Make protection easy to scan

The key coverage points are called out upfront, giving hosts a quick understanding of what’s protected without making them read through dense policy information.

Progressive disclosure

Giving hosts the right information at the right step.

Scroll

Three stages of the flow side by side: the Property protection tab with all three protection options, then the Select a coverage amount dialog over a dimmed page, then a confirmation reading Your property is protected with Host with Confidence

Early funnel awareness

Introducing Host with Confidence

The Vrbo host dashboard on mobile with a sheet sliding up over it, introducing Host with Confidence as a premium protection program and offering an Explore protection button

Meeting hosts earlier

We introduced Host with Confidence beyond the deep settings flow, giving hosts an early, contextual entry point to discover protection before they need to make a decision.

The protection ecosystem

Building a journey, not just the destination

From opportunity cards to emails and in-product surfaces, each touchpoint was designed to work together rather than operate as a standalone experience.

An opportunity card on the host's Data and insights screen, badged Top recommended, inviting the host to get enhanced protection with Host with Confidence to safeguard their property and income
Opportunity cards
The Property protection panel on the host dashboard showing the property is protected by Host with Confidence, the coverage it includes, and links to the protection details and to file a claim
Host Dashboard
The Vrbo welcome email confirming the host has opted into Host with Confidence, explaining the nightly fee comes out of their payouts, with a View program details button
Welcome Email

Recognition

Shout-outs from across Expedia Group

The launch travelled well past the squad. Product and design leaders shared it with their own teams and networks.

A LinkedIn post from Akanksha Singh, Director of UX at Expedia, calling Host with Confidence a highly complex 0-to-1 fintech experience the team designed and launched from discovery through servicing and post-booking support, and thanking the design team by name

Akanksha Singh

Director of UX

A post from Vrbo's LinkedIn page introducing its fall suite of new partner products, led by a Host with Confidence screen promising enhanced protection, smoother hosting, and happier guests

Vrbo

Partner product launch

A Slack message from Mariia Kovalenko celebrating the Host with Confidence team for being called out twice in two days, once as proof of the squad model and once as a Vrbo product release highlight, with the beta showing promising impact on host bookings and revenue

Mariia Kovalenko

Director of Product Management

A note on Confidentiality and Impact

The numbers are confidential, so I can’t share the actual results publicly. What I can share is how the work is being judged — we’re tracking the following metrics.

  • Adoption among eligible hosts
  • Gross profit from protection
  • HWC contribution in GP
  • Cannibalization across products
  • Post-release feedback and sentiment

Happy to walk through the work, decisions, and impact in more detail in a conversation.

Thanks for reading