How would the RVPlusYou Protection Program respond where a guest destroys a lamp in my RV and will not pay to replace it

The RVPlusYou Protection Program property coverage protects RVPlusYou Recreational Vehicle Owners in the event of accidental loss or damage to real or personal property caused by guests and/or arising out of your activities as a RVPlusYou Recreational Vehicle Owner, above a minimum claim threshold of $100.00. Maximum, $5,000.  Note: The security deposit may also be used to replace accidental loss or damage.