Thank you for your response, Stephanie!
It addresses a similar, but different scenario than what my concern was about.
While Air Cover is a big improvement for dealing with damages when it’s clear which guests damaged which items, the concern that I expressed about the Guest Refund Policy is more about an amenity that ceased to function that might or might not be due to the actions of a specific guest.
For example, if a guest complains “when I checked in 3 days ago, the BBQ grill wasn’t working, you advertise it as an amenity, your listing is therefore inaccurate and now I want a refund.” The host may only know that the BBQ grill was definitely working 2 weeks ago, but doesn’t know when it stopped working, if any of the 3 guests who were at the property since then even attempted to use the grill, or who may have done something to cause it to stop functioning.
Maintenance issues happen.
Especially in homes with many amenities, it’s fairly common that 1 out of 40 things may not function at any given time. It’s not always someone’s “fault”, nor should it constitute an “inaccurate listing”.