@Valerie696
Valerie, in 6 years of hosting on Airbnb I have not put 'Aircover', the replacement for the 'Host Protection Scheme' (once the HPS got really on the nose) to the test. Too early in my hosting career I was frightened by the number of posts from hosts who complained they had been duded by Airbnb's offer of host protection in the event of damage.
You have to understand, Aircover is not an insurance policy.....you don't pay a premium for a defined level of cover for a defined set of circumstances.....It is an adjudicated process where you might get something, or you might not!
Valerie, we can't run a business like that...and hosting is a business that carries risks....as you have found out!
$7.00 per guest night from my hosting automatically goes into a damage fund, and when a guest breaks or damages something I just pull the money out of the damage fund and put things right and get on with hosting without involving the guest responsible, or Airbnb.
Slogging out a damage claim is just not worth it.....your chance of winning is minimal and all you will do is guarantee yourself a bad review.
Valerie, take control of your business, don't look to Airbnb to be your guardian angel, you are inviting strangers into your home, it is up to you to protect yourself and cover the risks involved!
Cheers.........Rob
