Tag Archives: airbnb insurance

AirCover: Pretty Webpage, No Substance or Truth

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Airbnb’s “AirCover: Top-to-bottom protection” is a load of lies. Most of what is on the website is completely untrue. “Host damage protection covers you if your place or belongings ever get damaged by a guest during an Airbnb stay” — that’s the protection promised by Airbnb. The host damage protection Airbnb says it has is 90% of the reason I felt comfortable enough to list on Airbnb. But as I’m seeing from all the comments, it’s all completely untrue and just a scam from Airbnb to get us hosts to list with them.

I had a guest damage the washing machine making it completely inoperable. After submitting every single thing required as listed under the reimbursement process on the host damage protection page, I was told that wasn’t enough and they needed a “damage report from a reputable company.” They then told me that the first one submitted wasn’t good enough because it didn’t say with “certainty” how the guest broke it.

It took me almost a month of going through every repair company in the city to find one that was willing to guess with “certainty” how the guest might have broken it. Most companies either told me that wasn’t their job, or they didn’t want to guess in writing due to liability issues with the third parties involved. After getting a sufficient damage report submitted, I was told “we will proceed with the payout.”

“Oh great,” I thought.

Five days later I’m told because the washing machine was ten years old that it has no value and they will pay $0 for its repair or replacement. Why did they jerk me around for a month to get a damage report if they had no intention of paying in the first place? Then said they contacted their supervisor and will pay 20% of the repair.

Basically the fine print under host damage protection means for my listing that, with the exception of the new fridge and hotplate, the guest could destroy every other appliance and piece of furniture in my unit and Aircover would pay me $0 to repair or replace the damaged items because of the “proper deduction for obsolescence and physical depreciation.” This wouldn’t have bothered me so much if they were just honest up front about it, instead of telling hosts lies like “host damage protection covers you if your place or belongings ever get damaged by a guest during an Airbnb stay.”

In Canada I could not find a home insurance company that would cover anything to do with Airbnb. I had an almost impossible time trying to find insurance that would cover just me because of the Airbnb rental under the same roof. I finally did, but they won’t cover anything related to the rental. I foolishly thought that would be fine because Airbnb offers and brags about their “$1M damage protection,” which doesn’t actually exist for hosts.

Lesson learned. I will keep looking to find insurance to cover my listing. In the meantime I’ve taken down my listing and am trying to decide if I even keep using a company like this that lies up front to their hosts. I will probably end up switching to another company that is at least honest up front about what they cover and don’t cover.

Airbnb Host Guarantee Scam: No Payment for Damages

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On or about September 5th, a tenant in my Hamptons home reached out telling me he accidentally broke a shower handle in my guest house. A few hours later, I sent in a handyman who notified me that the guest house was completely flooded as a result of the damage to the shower handle and the guests hadn’t even put down towels to dry the wooden floor which, in turn, was soaked in water.

I immediately reached out to Airbnb asking them to please notify their insurance provider and assist me. As a courtesy, I also offered to contact my own insurance (note: Airbnb asked me to lie and not disclose that an Airbnb guest caused the damage). Airbnb assured me that they’d pay any difference or deductible I may incur.

My insurance ended up confirming and estimating the flood damage at 21k (stating they’d reimburse 10k but not the deductible of 2.5k and a sum that they attributed to amortization, essentially because my guest house was built ten years ago and wasn’t brand new). In the meantime, Airbnb neglected to send in any adjuster, even if I repeatedly asked them to do so, and put me in touch with about 15 different anonymous individuals with no last names or phone numbers to reach.

After three months and when the remediation work had been finished for over a month (and after having reviewed all my final paperwork and invoices, which they knew well), Airbnb notified me that they decided to send an adjuster. The adjuster, in turn, called me stating that it was ‘crazy’, ‘in bad faith, and ‘unheard of’ that Airbnb would send him in so late and to simply verify that the work was done and that’s not something an adjuster should do. Instead, he told me, Airbnb should have sent in someone immediately, which they didn’t. Following that, I received an anonymous rejection of my claim, essentially stating that Airbnb wouldn’t cover what my insurance wouldn’t and claiming that my insurance didn’t recognize the damage (which is a lie as, in fact, they covered almost half of it).

I have loved Airbnb and I still believe in their business, but those practices are brutal and really show how unsafe hosting can become with some (terrifying) guests like these (who also smoked marijuana and disrupted an entire neighborhood by the way). I ended up spending 11000 USD of my own money and numerous days of my own work trying to remediate this and desperately trying to speak to multiple anonymous Airbnb employees.

All in all, I still believe in Airbnb but please don’t rely on the insurance. Unfortunately, some guests can destroy your homes and Airbnb won’t help you at all. They’ll instead put you through anonymous employees to make your life a miserable hell in the hope you’ll give up eventually.

Airbnb left me with a dead body, $50,000 in damages

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There was a story that was aired on the local news the morning of July 28th, 2019. This story included vague details of a pool party that went wrong and the death of a Clay High School student by gunshot. Including only one side note was that it was an Airbnb listing.

There were many details that the story failed to capture. I am the homeowner of that Airbnb listing. I had listed the home on Airbnb just over a year ago as an entire house rental, private property with horses and country escape at around a $500/night booking fee.

Of the seven or eight bookings I had, it was a great experience, until it wasn’t. I had a one guest for a one-night booking the week prior to July 27th. This person had a verified Airbnb account that included one five-star review. They didn’t offer a lot of details about their stay but like every time before, the house was prepped, the key was left, and I was gone before they arrived.

I was notified by a neighbor around 1:30 AM that something seemed wrong with the amount of cars at my property and traffic in and out. I immediately called the police to assist in removing anyone from the property, as they were all trespassing and likely causing unspeakable damage to the home.

The shooting happened shortly after that, before the police even made it there, leaving one 18-year-old man dead in my driveway. This one guest rental was a 200-300 person party of underage people and dangerous criminals. There were Hennessy bottles thrown at my horses who were on the property during this time, luckily not causing any significant harm to them.

Upon further discovery, the actual verified guest has an extensive criminal background. There was blood throughout the entire home, over $20,000 in building damages and another $30,000 in personal property that was either stolen or ruined. Although the local police recommended bleach and water, I hired a hazmat crew to come and disinfect the home and clean the immense amount of bio waste that was covering my walls, floors and furniture.

People continued to return to the home in the days following so for the safety of my family I hired private security to protect the home and property. These people are and have been at war with each other. My home just happened to be the location that the battle was fought at.

I live with the reality every day that every single person who had access to my home can clearly tell it’s only a young woman and a five-year-old boy who live here. Of all the things damaged and all the pain this has caused, there is no greater fear than the idea that these monsters could come back and harm myself and my son.

My story isn’t about publicly shaming those who did this. My goal, however, is to shed light to the darker side of hosting for Airbnb and the complete lack of restitution that they have offered per their Host Guarantee and the lack of actual vetting they do to verify a guest. Almost three months, over 50 emails and communications, and they have decided to wash their hands of this due to the fact my personal homeowners insurance stepped up and covered just under $20,000 of the damages.

The process of their Host Guarantee is basically a death march to the point hosts rely on personal finances and their own homeowner’s insurance to begin the process of putting their lives back together. Although my insurance was amazing in the process, there is still $30,000 of personal property that was accounted for in detail as a loss.

The Host Guarantee specifically states (per their contractual agreement) that they will pay the difference of insurance claims. The most recent communication is that they took a if/then method stating that if my personal insurance has stepped up, then Airbnb is free and clear of any liability.

I hope to share my experience so those who are simply doing this to share the experience of their home, improve their homes for their families, or even just make some side cash on their primary residence know that if something does go wrong, Airbnb will not stand behind you.

Airbnb: Worst Customer Service Ever

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We booked a 10-bedroom home and paid our deposit. The leasing agency the host employs then called us to pay our rental insurance and pet fees… okay, no problem. I asked her to put the charges on Airbnb like the site says you should and they refused, stating they would need a credit card or my checking account number to pay the fees. They also requested I sign up on another site so we could communicate via their property management site. I refused as well, due to Airbnb’s strict policies about communication. I cannot trust this company and requested a refund. Each person I have spoken with has been horrible. No resolution or communication, just passing the ball to someone else. The worst customer service.

Host and Guest Come to Agreement, Customer Service Disagrees

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I am a longtime Airbnb host. A guest failed to notify us of a leaking radiator for over a month. By the time we were aware of the problem, it had ruined the kitchen floor and required a $3100 repair. We were eventually able to work out a fair and amicable resolution with the guest, who agreed to pay us $500 towards the $1000 insurance deductible that we had to pay. After we reached this agreement, an Airbnb case manager blocked the payment and closed the case on the grounds that we had involved our insurance company. This is completely absurd; should we have taken the full loss or tried to get the guest to pay the full amount? Since this happened a few days ago, I have reached out to Airbnb repeatedly without being able to speak with anyone with the authority to remedy the situation. This is a horrible experience that is showing an inept and unfeeling Airbnb.

Airbnb’s Insurance Policy Doesn’t Protect Guests

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In February, our Airbnb rental in Mexico was burglarized. The police came and a report was filed. All told, between two couples, we lost over $4500 of our possessions. The owner was very helpful; he filed a claim with his insurance company, which was denied about two weeks later because we were renters. Our personal homeowner’s policies covered all of our losses except our $500 deductibles for each couple, which might mean that the cost of our policies could go up.

I contacted Airbnb Customer Service over 12 days ago, to collect the two $500 deductibles from them. I was told to send all corresponding information to them, which I did. It has now been almost two weeks since Airbnb’s last contact with me. I have attempted to have other emails answered by their employees to no avail. I am now very angry at the rudeness of Airbnb. In the last two days, I have called the 855-424-7262 number four times. I was on hold for over 15 minutes each time with music playing, then when the music stopped (all four times), and I thought, yeah, someone is going to talk to me, I was disconnected. All four times.

I am mad and will not give up trying to reach Airbnb. They cover insurance for their homeowners; there should be insurance coverage for their renters as well. We are half of their business. My first communication with one of their representatives went very well. I thought this was a good company. However, in the ensuing two weeks, with no followups and reading about problems many other people have had trying to contact them, trying to reach someone by phone only to be disconnected four times after 15 minutes on hold, I am now convinced that Airbnb does not care. The CEOs have made their millions (billions) and they just don’t care anymore. I will be renting from HomeAway and VRBO in the future. Step up to the plate Brian Chesky, Nathan Blecharczyk, and Joe Gebbia. Someone at Airbnb should be reading the complaints and frustrations of your homeowners and renters on this website.

Airbnb Insurance for Damages is a Joke

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This is a real story that proves that Airbnb insurance is a fraud. Although they state that they cover all costs for any damages caused by guests up to $1,000,000, when it comes to paying they simply don’t. I have a house in Crete, Greece, and hosted a family this August. During their stay, they burnt the counters in my kitchen by placing a hot pot there. The guests accepted their responsibility, so I filed a claim for a refund. Unfortunately, the bench had to be completely replaced, as there was no way to fix the marks. This cost me 877 Euros and Airbnb replied that the cost was too high for such damage; they refunded only 160 Euros. Their response:

“We’ve determined that that you should be compensated for your losses, however your guest has offered a higher amount than what we concluded would be the appropriate amount for the damages. As such, the total that we are able to provide for the damages through your guest’s offer will be 160 EUR. I have gone ahead and processed this payout to your current preferred payout method.”

This is totally unacceptable for Airbnb and its reputation. The eventual result is that I paid 877 Euros to cover my guests’ damage and Airbnb refunded only 160 Euros, just because they decided so. I’m really disappointed by them and their service.

Incredible Experiences and Even Wrong Country Listed

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I have had multiple experiences using Airbnb for many years. I found an apartment and the owner promised there would be a real bed. After arrival, I noticed he didn’t have any bed; he just lied. There was some fruit box bed. The owner actually made a bed from some wood box. Crazy. He was not even poor. Another time in another Airbnb I noticed the owner was very particular about what I should not do in the apartment and came to the flat everyday to check on me. Then she asked me to write down “I will take care of this flat the entire period of my stay” and the like. She wanted to punish guests by charging them if something happened; if there was a fire or anything renters must pay her. Incredible. Now I found an Airbnb flat and the owner had listed a different location. Luckily, I didn’t pay her. She even lied about the country and Airbnb still hasn’t deleted her listings. I couldn’t even find an email for Airbnb to contact them.

Airbnb Allows Theft and Does Nothing

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We rented our house to three people from the Airbnb website where we advertised our three bedroom, two bathroom vacation rental. They stole all of our furniture, washer, dryer, artwork, and dishes. We immediately contacted Airbnb, filed a police report, found our receipts and emailed them all to Airbnb. They have done nothing to take care of this. They have a million dollar insurance policy and we never received a dime from this theft. Their insurance guy won’t return our phone calls and so we lost $15,000 worth of furnishings and appliances and Airbnb has done nothing to help us. I guess if you are a thief, rent through Airbnb and steal from the house you are renting, as Airbnb won’t do anything to catch you or help the people from whom you stole. I hope all thieves read this, rip everyone else off, and then, maybe when no one advertises through Airbnb anymore, they will go out of business. I am now going to contact the insurance commission and file a complaint. I will also contact other hosts on Airbnb and let them know about this so they can decide if they dare to continue with Airbnb.