Theoretical insurance doesn't help you when Airbnb will simply ignore you or close your claim without explanation. They have become completely predatory and incompetent towards hosts in the past few years. As soon as something goes wrong they will find a reason to deny your claim. Their support that handles these cases is clearly incentivized to close cases without payouts. The only way anyone sees any coverage from…
I'm discovering that, having just become an Airbnb host in the last year for my beach pad.
My new worst experience is Airbnb doing nothing and saying "too bad" when a guest with a new profile stayed for 3 days, then wrote a scathing review warning people off and demanding a refund.
The guest posted in her review that the place is full of broken furniture, rock hard beds worse than in communist countries, black mould, animal smells, urine smells, and is a health hazard. She used a lot of capital letters and accused me of punishing her for "sins not yet committed."
And yet she didn't contact me or Airbnb to complain until after the end of her stay of 3 nights.
My property averaged 4.8 stars (out of max 5) prior to that with zero negative reviews. I thought Airbnb might consider she is trying to scam a refund. But they say she hasn't done anything against their policies so too bad. The review stays. When I tried to complain the support ambassador warned me that if I insist on an investigation it could result in penalties for me as a host.
I asked Airbnb to send someone out to check my property so they can see the guest is being unreasonable, but of course, Airbnb doesn't have anyone who can come out because it isn't a real company. It's just a listed entity on the stock exchange that made a few people $100 billion renting properties owned by... people like me.