Insurance debacal

[Carmen802]

A guest burnt my dining table by placing a hot saucepan on it.  I contacted Airbnb as when I signed up the stated that hosts are insured or words to this effect.  Having tried tomake a claim re the table - I am now being told that I have to ask the guest for  the money to cover the cost of the table -the damage is irreparable.  What is the poinot of the insurance?

[Alexandra316]

@Carmen802 The first step is to ask the guest to pay for the damage. If they refuse to do so, you can make a claim through the Host Guarantee. See https://www.airbnb.ca/help/article/264/what-do-i-do-if-my-guest-breaks-something-in-my-place for all the details on the steps you need to take.

It's also important that you have your own insurance for this type of situation. Airbnb doesn't have a true security deposit, so they may refuse to pay your claim. Make sure you have backup if that happens.