So what would happen in practice if I completely trashed an Airbnb for $1M's worth?
Straight to jail. Assets seized by insurance underwriter.
Proceeds to trash jail.
AirCover by Airbnb
11–20 of 129 posts
Re: AirCover by Airbnb
#12Earlier quoted context omitted.
What if I'm the guest?
You would be sued for a million dollars in damages by the owner, and it would be an open and shut case.
I rent an Airbnb in Miami but fly back to uk after a hangover style party. Good luck sueing me, even if you did most people don't have a 10,000usd never mind a 1m, then enforcement and collection.how does that open and shut?
Re: AirCover by Airbnb
#13Perhaps a dumb question but who was handling the insurance before this? Homeowners does not cover rentals, correct? So you needed rental insurance? I’ve always seen airbnb to be too risky to do with your primary residence, which seems to greatly diminish from the efficiency of the service (and of home ownership)
Nobody. AirBNB lived on the gray area where people rented properties that weren’t setup or insured for such.
Re: AirCover by Airbnb
#14Earlier quoted context omitted.
You would be sued for a million dollars in damages by the owner, and it would be an open and shut case.
I rent an Airbnb in Miami but fly back to uk after a hangover style party. Good luck sueing me, even if you did most people don't have a 10,000usd never mind a 1m, then enforcement and collection.how does that open and shut?
You'd have a hard time re-entering the usa after automatically losing the case by not showing up at the courthouse and not paying the bill. But in any case the scenario of leaving the country is not unique to airbnb and exists for rental cars, other loans, and basically any activity involving borrowing something
Re: AirCover by Airbnb
#15> These Host Damage Protection Terms contain an arbitration clause and class action waiver
So this insurance policy isn't even worth the pixels it's rendered on. It's not a good sign when a company purporting to be entering into contract is already trying to wriggle out of it, and this goes doubly for insurance.
Re: AirCover by Airbnb
#16Earlier quoted context omitted.
You would be sued for a million dollars in damages by the owner, and it would be an open and shut case.
I rent an Airbnb in Miami but fly back to uk after a hangover style party. Good luck sueing me, even if you did most people don't have a 10,000usd never mind a 1m, then enforcement and collection.how does that open and shut?
You're making a good argument for the reinstitution of debtors prisons.
Re: AirCover by Airbnb
#17Perhaps a dumb question but who was handling the insurance before this? Homeowners does not cover rentals, correct? So you needed rental insurance? I’ve always seen airbnb to be too risky to do with your primary residence, which seems to greatly diminish from the efficiency of the service (and of home ownership)
AirBnB did. I forget the exact terms, but a while back someone's house got trashed and it hit the news. AirBnB announced they'd cover the damage to her house and started an insurance policy.
Re: AirCover by Airbnb
#18Wow, the astroturfing in this thread already is happening.
0. This is nothing new, airbnb always had a free "guarantee" they just rebranded it basically from what I see to a trademarkable name.
1. Umbrella policy is better than airbnb. Umbrella policy will go after all parties including airbnb on your behalf.
2. Airbnb has a history of ignoring or mitigating damages unless you get famous on social media - this includes sexual assault/rape and murder of animals.
https://community.withairbnb.com/t5/Help/Guest-caused-the-de...
https://www.theguardian.com/technology/2021/jun/16/airbnb-ne...
While these are just two incidents, there are countless more that can be searched, or you can probably filter through other incidents, and yes, while airbnb did "compensate" they did so only after intense media pressure.
3. If you are a tourist in most countries and "fly" back home, you are judgement proof. There only liability is the guests airbnb account, which, is worthless. You can create new accounts, and in most places you can use alternative government identification to bypass previous bans.
You can read the link I posted earlier about the death of a dog, the PII that airbnb released was not enough to start a civil court case. And even if you have a name, you have no guarantee that the nae of the airbnb account is the ACTUAL guest that stayed.
Re: AirCover by Airbnb
#19So what would happen in practice if I completely trashed an Airbnb for $1M's worth?
Straight to jail. Assets seized by insurance underwriter.
Not even true, at best a civil case after months and you must provide service to the defendant or defendant attorney - depending on who booked and who stayed can be different and will not proceed normally.
tl;dr mostly nothing if they don't value their airbnb account.
Re: AirCover by Airbnb
#20Earlier quoted context omitted.
You would be sued for a million dollars in damages by the owner, and it would be an open and shut case.
I rent an Airbnb in Miami but fly back to uk after a hangover style party. Good luck sueing me, even if you did most people don't have a 10,000usd never mind a 1m, then enforcement and collection.how does that open and shut?
Nothing, your airbnb account is banned, they'll probably try to bill your credit card, but not much.
You can send a fee request, but mostly you do that to show airbnb you tried and they'll maybe compensate you if they agree.