If someone break house rules, what actually AirBnB should do if you can't prove the facts? However when it's about broken things I can say that once time it happened to me, small thing, €40, made a picture and solved all via the resolution center.
By the way, I really don't know what are the rules in your country, but generally if you rent the whole house/apartment, you look as a business and you should be registered and so, as normally happens, brings an insurance on the house/apartment.
7.1.7 Airbnb recommends that Hosts obtain appropriate insurance for their Host Services. Please review any respective insurance policy carefully, and in particular make sure that you are familiar with and understand any exclusions to, and any deductibles that may apply for, such insurance policy, including, but not limited to, whether or not your insurance policy will cover the actions or inactions of Guests (and the individuals the Guest has booked for, if applicable) while staying at your Accommodation or participating in your Experience, Event or other Host Service.
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The Host Guarantee should not be considered a replacement or stand-in for homeowners or renters *insurance*. The Host Guarantee does not protect:
- cash and securities
- pets
- personal liability
- shared or common areas
Certain types of property–such as jewelry, collectibles, and artwork–have more limited protections. Hosts may want to secure or remove such valuables when renting their place, and may want to consider independent insurance to cover such items. The Host Guarantee does not protect against reasonable wear and tear.
https://www.airbnb.com/terms/host_guarantee