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?
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.