Do I need additional insurance (outside of Airbnb's Host Protection Insurance)?

John-and-Debbie0
Level 1
Brighton, United Kingdom

Do I need additional insurance (outside of Airbnb's Host Protection Insurance)?

As I understand the Airbnb Host Protection Insurance you are automatically covered if someone injures themself in your home accidentally. Is that correct? I also understand you are not paying anything extra for this insurance or is that incorrect? Does anyone have any experience with the Host Protection Insurance in the United Kingdom? I tried asking Airbnb directly but got no reply.

25 Replies 25

Thank you.  I think Airbnb is really guilty of fraud and false advertising not to mention their coersive tactics of forcing you to give up your right to appeal or question their determination in order to file a damage report.  They actually lied to me about it when I questioned their rep about when/how I could make a claim against their host coverage....told me I had to file a report from thier link first....the rest is history.  Contacting an attorney.  Their false claim about host damage protection is costing me big....my homeowner's won't cover it....If you google Airbnb you'll see thousands of complaints.  Live and learn I guess....

Robin4
Top Contributor
Mount Barker, Australia

@Mary-Ellen0 @John-and-Debbie0 @Monica4 Now over the last month I have read a lot of posts on hosts who are trying to come to grips with damage that has been caused to their properties by Airbnb guests. In every instance that I have read the host has been 'hung out to dry' by this supposed 2 million dollar insurance 'safety net'...."Host with confidence you will be protected...bla, bla, bla"

 

In general we hosts should regard this as that 'mirage in the desert'. To all practical intents and purposes it does not exist!!!

It's rules and conditions have been so cleverly 'crafted' that, in reality, it covers you for three quarters of nine tenths of bugger all!!!

 

The worrying thing about this is that a lot of hosts may actually be sucked in by this marketting ploy and possibly gloss over proper protection thinking that they have this all embracing umberella that will soak up guests 'accidents' 

Many hosts are finding out the hard way that this is just not the case, and I am lead to believe from a relatively reliable source that in this country (Australia) the government consumer advocate the ACCC is investigating the validity of this insurance statement.

I can't verify that but the source has been right in the past.

 

Best that we forget we ever heard about this amazing generosity on Airbnb's part and....

A/. make sure our existing household insurance will cover the activities of Airbnb, Homeaway, Stayz and other hosting sites.

B/. Search out......don't 'reach out', for insurance companies that will cover you and protect you without you having to produce a valid current drivers licence for your 138 year old Great grandmother!!!

Cheers.....Rob

 

 

I saw one post where the host had his home owner's insurance cancelled when he asked about coverage for renting on Airbnb!  I have set the damage deposit at the max of 5K and will now have a home condition check list that must be reviewed and signed on check in AND check out.  House rules will state no unregistered guests on the premisis, period! 

 

 

Mary-Ellen0
Level 4
Dummerston, VT

Dont be fooled.  You ARE NOT covered.  Search the forums on this issue and raise your damage deposit to the max allowed they be clear with guests about damage....Airbnb will not help you, trust me.

Robin4
Top Contributor
Mount Barker, Australia

Hi there @Mary-Ellen0 I know you are incredibly upset about what has happened to your bench....and I feel for you. You try to do all the right things....You open up your house to strangers and you trust them! Mary Ellen I am going to paste across a post I put up for another host who had a bad experience with a guest....although I think her problem was not as bad as yours! But Mary Ellen there are some things in here that may be of use to you to help in the future...... This womans complaint was that guests were outrageously extravagant with her power, water and kitchen and almost ruined her benchtop. This is what I said to her.......

 

Hi there Natz.....Look, this a part of hosting! You have to expect that others will have a different set of values to yours. It is possible that they were not going out of their way to be obtuse……It’s just that that is the way they live. I try to anticipate what guests will do.

With regard to consumables I only put into the cottage what I am prepared for them to have. I am generous with food and drinks but, I set a limit of 6% of the tariff that I receive. I am a canny shopper and get the very best deals on things that I know I will be supplying. Sometimes I will buy a two month supply of something or other, because it was available at half price, or less, at the time….So it’s amazing how far that percentage will go if you are careful, and I very rarely reach that 6% limit

The bathroom heating is on a push button timer so it will not run for more than 10 minutes! After that, the button has to be pushed again. I only have an 80 Litre storage hot water heater (quite deliberately) because that will give the guest about 12 minutes of decent pressure hot water at any given time, even less in winter. But this is enough, anyone who expects a shower longer than that is just plain wasteful!! And it reheats again in about 15 minutes! All external lighting is on motion sensors which give ample time to access the property but will get around the risk of being left on,

In a shared space make sure you have locked cupboards for things you do not want your guests access to and have your extraction fan (be it range hood or whatever) in the kitchen hooked through a motion sensor timer so that it is impossible to cook, or interfere, with the fan while cooking, or until the kitchen is free of smells. You can have the timer, along with an override switch for yourself in the locked cupboard. Put self- closers on the doors. These things are passive measures….you don’t even need to give your guests a list of do’s and don’ts…it just happens automatically, and Natz, the bulk of the time your guests will tell you what a thoughtful touch that was.

Natz, I know you regard this guest as the guest from hell, but in reality she just does things differently from you. I don't only cook twice a week, but I have measures that ensure my kitchen stays smell free. The only thing that would concern me would be the damage to the benchtops. I have read another post here where the host is up for thousands to replace a damaged benchtop. But there are available in-expensive thin bench protectors...they are a bit like a 600mm (2ft) wide roll of thin semi-clear cutting board which would protect your benches from all but the most serious of saucepan heats. I don't need it in the house because the benches in my kitchen are black granite and there is nothing you can do to abuse these, but, I use it in the cottage, and do you know what Natz....almost every guest says...'Gee what a good idea is that".

 

Mary Ellen, you must protect yourself! Don't think just because it's a 'house rule' people will follow it.....they won't......

And Mary Ellen, it's probably too late this time and hey, I'm with you! This host protection insurance is a nonsense, so don't put your faith in it. I so hope you can get this sorted out with minimal expence....It's a pain I know and it is hard to fathom why some people are such......'Turkeys' ....Cheers....Rob

Thanks so much Robin.  I have set my damage deposit to the maximum and changed my house rules. Going forward each guest will join me for a house tour and sign a condition report on check in, and whenever possible another on check out.  I have installed programable thermostats, LED bulbs in all lights and the motion sensor lights you suggest.  I have also increased my pricing to reflect the utilities usage I'm learning are typically used.  

 

Truthfully each guest has damaged something, usually minor items, and I take it in stride as something to be expected as with broken dishes, ruined towels, etc.  

 

Based on the posts on these threads it seems that Airbnb should provide its host customers and guests with an extreme amount of transparency about how their 'host protection' aka damage deposit process actually works.  It is disingenuous of them to label it protection without the truth being spelled out in fine detail on how their process works.  Had it been a lot of problems could have been prevented.   

 

I am more upset about Airbnb policy and lack of transparency than I am about the damage to my kitchen because it was an accident and things happen.  Policy is carefully planned and this one is fraudulent at best.  If a host sets a damage deposit and can provide proof the deposit should be released to cover the repair or replacement.  It's just that simple.

 

Great to chat, and thanks again!

 

 

Robin4
Top Contributor
Mount Barker, Australia

@Mary-Ellen0.......

Hi yet again Mary Ellen. Hey, now please, I am not having a go at you, I think you possibly need to step back a pace and reflect on what has happened for a while. I know you want get this mess out of your brain and put it in the past and every time you see this damage it is going to stir things up for you, not just as far as that guest is concerned but with Airbnb as well. I can feel the venom in your words! But……. ‘knee-jerk’ decisions will possibly backfire on you if you want to stay hosting. Walking around with a damages clipboard when a guest arrives absolutely assures you of getting a downgraded star rating because you are essentially pre-empting that they are going to cause damage. You immediately put them on the defensive….and they will remember that come review time!

 

I am sure (apart from the completely stupid) no guest ever thinks they are going to damage a property when they move in but, accidents do happen, sometimes through genuinely unforeseen circumstances….(your cat ran through the kitchen just as a guest was carrying a bowl of something or other and caused the guest to drop the bowl) …..your bowl, but your cat too!!!! The guest was no doubt exercising due care when handling the bowl, but….due to unforeseen circumstances, your bowl is broken….Do you follow me Mary Ellen?  Where do you draw the line??

Setting your damages deposit to maximum is surely going to cost you bookings because your competition will not necessarily be doing the same, and the potential guest will get the impression that your place must be just too much hard work if you have such a high damages deposit…they do after all have to pay it when they book.

 I do not even have a damages deposit set in place Mary Ellen! My cottage is externally insured with a good reliable insurance company who specialise in rental insurance, for any major damage….My excess is minimal because my claims record has been exemplary…I just build it into my letting figure and that’s the end of the story. I am no doubt out of pocket at the end of each year, but not by much! And all my guests have treated my property with the utmost respect…..The guest knows exactly what the terms are when they book and because I am so flexible, there is an element of trust there that will be lacking in your transactions.

Mary Ellen I could go on and on but I think you understand what I am saying! By your reviews you have to this point been a wonderful warm host….just one there carried on till the word limiter kicked in but, I would love those reviews so, you are a great host…what the hosting community needs. Just try to make your listings as ‘idiot proof’ as possible. I mentioned benchtop protectors before…believe you me it is worth it and Mary Ellen, don’t adopt measures that will drive potential guests away!  

I wish you all the luck in the world….cheers…..Rob

Riaan1
Level 1
Cape Town, South Africa

Hi

 

Been trying to get some info on insurance coverage in South Africa as Air B&B exploded here as well.  Anyone in the community aware of a company offering this?

 

I've read most of the messages.  Only thing I want covered is that of personal injury.  The smaller priced items I accept taking the risk for (Touch wood haven't had "bad" guests yet).

 

Thanks for any feedback.

 

Riaan

Hi guys,

I don't know what you host (your own house, or another house etc.) but we have a largely self-contained annexe in the grounds of our property that we let out to guests on Airbnb.

To clarify for other UK hosts in a similar position, you WILL need additional insurance - particularly public liability. Your existing insurer will probably cancel your policy if you ask them or worse, fail to pay in the event of a claim if you don't disclose you host on Airbnb. In terms of mainstream insurers, Admiral are the only one I found who are happy to insure Airbnb hosts but it needs to be arranged over the phone with them. We personally use Ember JD Insurance who cover the annexe as well as the main house. You get a quote online and phone to buy the policy. It worked out about £100 a year more than a 'standard' renewal on the house, which for us is the equivalent of three nights hosting - so was bit of a no-brainer. There are other insurers too but this one was easiest given you could do the quote online.

You will also need to complete a fire risk assessment and be able to show that you've taken steps to minimise fire risk if you host in a situation like ours. This is a condition under the Regulatory Reform (Fire Safety) Order 2005 - see https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/422192/9281_Sleeping_Accom... to check if you need to.

Hope this is helpful for other UK hosts?

Hello!

 

I live in California and would love to know what the best insurance plicy outside of Airbnb is, in the United States.  Does anyone know?  My experience after 5 years with Airbnb, and over 21 rentals and tousands of reservations, has been flaawless, with Airbnb.  They have always backed me, though Ihave yet to have damage done, to my property. 

 

I would like an otuside insurance company that covers this as well as theft, from inside the listing, and of the Guest's items.  

 

Any information woud be helpful! 🙂

Aloha Angel,

I live in Hawaii and have two rentals on Airbnb. Airbnb touts their million dollar insurance policy, but I believe it only covers major damage to your unit. I have read good and bad things on the Airbnb hosts forum. It sounds like it’s really more of an advertising gimmick. 

Most Homeowners policies don’t cover short term rentals. In fact, some companies will cancel your policy if they find out you are doing vacation rentals.

For one of my properties, a condo, I was able to find a homeowners policy that allows vacation rentals. Fortunately I haven’t ever filed a claim. For the studio, which is attached to my main residence,  I use Comet. It only costs $60 a month and they claim it becomes my primary policy and I don’t have to report any damage to my rental unit to my Homeowners Insurance company. Again, I have never had to make a claim so I can’t speak for their efficiency in handling a claim. I hope this helps. 

-Beneluigi