@Harmony26 My understanding is similar to @Lorna170 's, but I believe that in both cases your request for payment goes first to the guests. But the first option is to settle a privately agreed amount without any intervention - usually, you'd use it to charge for an optional extra service, and collect the payment before delivering that service. You wouldn't use that for damage unless the guest has already fully agreed to pay. In contrast, the second option will result in (often lengthy) mediation by Airbnb's adjustors if the guest declines to pay. For any requests made via the Aircover option, you'd want to be sure that none of the expenses you're asking for are excluded in the terms and conditions, or else the entire claim might get thrown out.