@Rodney8 @Rosemarie9
Rodney, you are 'spot on' mate......just move on!
When we invite strangers onto our property we accept that there will be a risk involved and it is up to us cover ourselves.
The Resolution Centre is a marketing tool....it is designed to attract both guests and hosts to the platform. If it 'were' a form of insurance, there would be some sort of actuarial basis to it. In other words a premium would be charged to match the expected claim ratio per risk. But this is not the case, this does not happen. Airbnb make these lofty statements without any form of monetary compensation fund to back them up!!! Obviously, it does not work....It is like saying, "I am going to sell used cars and offer a free ten year warranty....I hope none of them break down!"
Airbnb are a booking agency Rodney, they put A (the guest) in touch with B (the host)....that is what they charge a fee for, and that is all that we as users should expect from them.
I was fortunate enough to stumble on this forum before I started hosting and I soon realised from all the posts that I was reading that trusting warm and fuzzy $1M host protection scheme statements and other compensatory offers were a shortcut to ruin!
I have a proper structured liability insurance in place with a relatively high excess, and I have set my rental amount so that a portion of each guest night payment goes to an account that is there and will cover minor damage that guests may do. That account currently sits with over $2,400 in it! I have 'dumb-proofed' the listing as much as possible and Rodney, I do NOT involve the Resolution Centre and all the possible heartache, running around and disappointed that will (or may) be involved if I did. If something gets damaged I just replace it out of my own fund before the next guest arrives, and I just get on with the business of hosting and making money.
Let the Resolution Centre sort out 'double bookings', 'no shows', 'additional customer information', 'cancellations and guest removals'....those aspects that pertain to the hosting taking place....
But don't expect a dollar out of them!
Cheers......Rob