The Airbnb rental though profitable in most cases, does not always go without hooks. What happens in case of a problem?
Despite the guarantees offered by the seasonal rental platforms, many disputes arise from private rentals. Particularly on the Airbnb platform, which records a record number of complaints notwithstanding assurances offered by the American. What coverage does the owner have in case of damage during an Airbnb or Booking rental? Here’s the main thing to remember on the platform’s coverage.
Airbnb offers coverage, though summary
As mentioned in a previous post, Airbnb offers two types of insurance basic to owners and tenants. The first is the host insurance, which covers both of them, but only in the event of a third party’s prosecution in the rental and amounting to 800,000 euros. The most talking example is, for example, a complaint by a neighbour because of the tapage orchestrated by the tenant during his stay. Unfortunately this host insurance covers only intentional, premeditated wounds and injuries.
The second insurance offered by Airbnb is Host guarantee . It is the latter that sets the framework within which damage during an Airbnb rental can be covered by the platform. Unfortunately, this Host Guarantee does not cover goods and persons, common parts or pets.
In this case, is it actually covered in case of damage during an Airbnb rental?
Airbnb coverage in case of damage during a tenant’s stay
Waterfall, broken vase, pierced wall, alteration of common parts... many are the potential damages that may unintentionally or not result from an Airbnb rental. As mentioned above, the Host Warranty can be activated in this case. However, its activation is more of the impossible or even of the miracle and you will understand why.
In fact, Airbnb proposes to protect the owner from damage to his real estate and what it contains up to 800,000 euros. It is a fierce sum that no other seasonal rental platform can afford to reach. However, when you read more closely the clauses that frame the activation of this Host Warranty, things become more corsed. Your accommodation must be "eligible". However, Airbnb did not define what it means by qualifying. However, based on gleaned explanations from a lawyer specializing in real estate law, it is imperative that the injured accommodation be the absolute property of the owner, or that the owner has the property sublocation authorization .
As a result, if for example you are yourself a tenant of the accommodation that you under-leave on Airbnb, you need the tacit permission of sub-location from your owner. Where applicable, not even necessary contact Airbnb , the answer will be NO.
In addition, another point easily draws attention to the closures relating to the Host Guarantee. In fact, Airbnb states that the cover related to the Host Warranty can only be requested in the rare event that damage caused by a tenant has not been solved directly with him. In short, in the event of a tree with your tenant, it will be necessary to negotiate with the tenant before it releases the premises so that it will not settle the tares. It is only in the event of non-reimbursement by the tenant and with proof that Airbnb should be contacted to enjoy the coverage. This, in fact, limits the usefulness of this Host Guarantee, which is in fact only a cover of last resort and not systematic.
Are we covered in damage during an Airbnb rental?
This question can be asked if you put your apartment online on sites like Abritel/HomeAway or Booking. On the basis of the details shown above, yes is covered in case of damage during an Airbnb rental. However, this blanket is conditioned. You must first be the owner of the leased real estate on the platform, or tenant of the property with a sublocation authorization.
But also, you must have tried all the remedies and it is only in case of failure in the valorization of your rights that Airbnb will have to be contacted to hope to enjoy its coverage. The Host Guarantee proposed by the platform is useful, but not systematic. It is therefore recommended to choose your tenants well and to subscribe to adequate housing insurance tailored to your seasonal rental activity on Airbnb.
Especially since Airbnb implicitly specifies in the terms of its guarantee that it does not replace an absolutely Home insurance . Clearly, this guarantee is more intended to ensure that the owner and host actually cover.
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