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AirCover by Airbnb

airbnb.com

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Re: AirCover by Airbnb

#81

Post by system16 »

sideshownz wrote: post #30

"While AirCover protects you while you’re hosting an Airbnb stay or Experience, it is not a substitute for personal insurance" This is a key point. As a host here in NZ, its basically useless as I still have to have commercial insurance. Aircover only covers you for the period of time that you have someone staying in your property. As soon as they have gone, you have no insurance. So if you have a house listed on Air…

Why should AirBnb be responsible for covering issues that arise between stays? I mean, it would be nice if I could just sign up as a host for my condo, set it as unavailable for most of the year and get free insurance.

Re: AirCover by Airbnb

#82

Post by joshfraser »

I put way too much faith in Airbnb's "million dollar coverage" when I was a host.

I had an Airbnb guest steal all the electronics from my apartment -- Sonos speakers, wifi router, everything. They also left behind a large stack of obviously stolen credit cards, social security cards, and driver licenses.

When I called up Airbnb support to tell them what happened they responded by saying "We've found that most disputes between hosts are just misunderstandings. Have you tried talking to them about it?"

Then when I tried to claim they needed original receipts (which I obviously didn't have for everything) and ultimately only paid out a small fraction of the original cost (because the items were no longer new).

Re: AirCover by Airbnb

#83

Post by xeromal »

petercooper wrote: post #66
tiku wrote: post #63

Does it cover the costs of you guests illegally downloading stuff? I've ran into that one myself (in Germany the host can have it dismissed when you can prove it wasn't you).

Wouldn't that be more a legal thing? A bit like you can't take out insurance against speeding tickets. I guess they could offer some sort of insurance for covering your legal fees to deal with such things, though.

Yeah, sounds like a law the state/country would need to make.

Re: AirCover by Airbnb

#84

Post by post_break »

Does this do anything to address the rapes and sexual assaults that occur inside of an Airbnb? I remember those being swept under the rug with NDAs to receive compensation.

Re: AirCover by Airbnb

#85

Post by WJW »

ChrisMarshallNY wrote: post #64
otterley wrote: post #55

Earlier quoted context omitted.

It’s not just Airbnb - every insurance policy written today is loaded with exceptions you could fit a Mack truck through. The textbook business model of insurance is to collect premiums and try as hard as possible not to pay claims.

I remember watching an old episode of The Beverly Hillbillies , where an insurance executive was talking to one of his employees, and said: "The job of an insurance company is to take in as much money as possible, then refuse to pay it back."

Perhaps The Beverly Hillbillies is not the most reliable source for business model information.

Re: AirCover by Airbnb

#86

Post by onionisafruit »

system16 wrote: post #81
sideshownz wrote: post #30

"While AirCover protects you while you’re hosting an Airbnb stay or Experience, it is not a substitute for personal insurance" This is a key point. As a host here in NZ, its basically useless as I still have to have commercial insurance. Aircover only covers you for the period of time that you have someone staying in your property. As soon as they have gone, you have no insurance. So if you have a house listed on Air…

Why should AirBnb be responsible for covering issues that arise between stays? I mean, it would be nice if I could just sign up as a host for my condo, set it as unavailable for most of the year and get free insurance.

The point isn’t that airbnb should cover that situation, it’s that hosts need insurance anyway and that insurance should cover everything this covers plus more.

Re: AirCover by Airbnb

#87

Post by ChrisMarshallNY »

WJW wrote: post #85
ChrisMarshallNY wrote: post #64

Earlier quoted context omitted.

I remember watching an old episode of The Beverly Hillbillies , where an insurance executive was talking to one of his employees, and said: "The job of an insurance company is to take in as much money as possible, then refuse to pay it back."

Perhaps The Beverly Hillbillies is not the most reliable source for business model information.

It was basically a lighthearted posting. I apologize for being unclear, but I thought that mentioning the show would have indicated this.

Re: AirCover by Airbnb

#88

Post by AlwaysRock »

joshfraser wrote: post #82

I put way too much faith in Airbnb's "million dollar coverage" when I was a host. I had an Airbnb guest steal all the electronics from my apartment -- Sonos speakers, wifi router, everything. They also left behind a large stack of obviously stolen credit cards, social security cards, and driver licenses. When I called up Airbnb support to tell them what happened they responded by saying "We've found that most dispute…

Sounds like every interaction I've had with insurance. Sorry to hear that.

Re: AirCover by Airbnb

#89

Post by tinyhouse »

wombatmobile wrote: post #51
ciguy wrote: post #37

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…

> They have become completely predatory and incompetent towards hosts in the past few years. 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 plac…

I think you're making too big of a deal out of this. You can reply to her comment telling your story. One bad review shouldn't impact you in the long term. I understand why Airbnb is not willing to help you here. They have millions of hosts and need to prioritize their time and efforts towards major issues.

Re: AirCover by Airbnb

#90

Post by tinyhouse »

sideshownz wrote: post #30

"While AirCover protects you while you’re hosting an Airbnb stay or Experience, it is not a substitute for personal insurance" This is a key point. As a host here in NZ, its basically useless as I still have to have commercial insurance. Aircover only covers you for the period of time that you have someone staying in your property. As soon as they have gone, you have no insurance. So if you have a house listed on Air…

It'd be useful if Airbnb offered a full coverage for a premium. That would make it easier for hosts since getting another insurance yourself is more complicated as you will need to pay much more for insurance that covers Airbnb style rentals, even though that part you already have coverage for and just need regular insurance when the property is not rented.
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