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VRBO vacation protection

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I've been looking at VRBO vacation rentals in Rome & Venice for next June and have narrowed down my choices, I hope to book them by next week. How does one go about getting vacation protection, when do I take it out, at the time of booking? Can I take a single protection to cover both rentals? Sorry if I appear ignorant, this is the first time I'm renting and I'm rather confused about the whole process. Thanks for your patience and suggestions!

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