Airbnb offers some form of insurance to owners and hosts as well as tenants with the Host Guarantee. What are the conditions?
While in the best of the worlds the seasonal renting of particular to particular on Airbnb is carried out rather well and without hooks, it is nevertheless true that disputes between hosts and tenants squeeze from time to time the American platform. To help resolve these disputes, Airbnb has set up the Host Guarantee. How does she work? What are the limits? Here is a brief summary of what may or cannot do the Airbnb Host Guarantee.
With its Host Guarantee, Airbnb covers you in case of disputes...
Two forms of blankets are offered to guests and tenants by Airbnb. Host Insurance and Host Guarantee. If both have a ceiling of up to 800,000 euros, they will benefit primarily from the course of the fighter, both the platform has complicated its operation.
As a reminder, Host Insurance covers damages or prosecutions caused by a third person, other than the host or tenant so. While the Host Guarantee covers material damage (excluding common, valuable, domestic or other parts) caused voluntarily by the tenant. Thus, in both cases, in order to solicit a disputed coverage from Airbnb, it will be necessary either to prove that the tenant knowingly damaged the property contained in your home or the accommodation itself, or to prove that a third party is at the origin of it.
But this is unfortunately not all, because to hope for Airbnb’s intervention in a dispute, the conditions are even more insane.
...but this cover is limited and subject to quite crazy conditions
Since everything is primarily a matter of word play in the contracts linking us to service aggregators, Airbnb has literally barricaded the clauses governing the operation and conditions under which a host can benefit from its coverage in the event of a dispute.
In these clauses it is first mentioned that you will only be able to benefit from this Host Guarantee if your accommodation is eligible. And by qualifying, Airbnb did not really specify what it was actually questioned. Nevertheless, the platform emphasizes the need to be the owner of the housing in the dispute. Or to the extent that you are yourself a tenant, that you have a authorization of your owner to make seasonal rental on the platform to be eligible for this guarantee.
As an illustration, if, for example, you have a primary or secondary residence on your name, the latter are eligible according to Airbnb criteria. If on the other hand you are a tenant of an apartment you wish rent one of the rooms On the platform, it will be absolutely necessary for the owner of the real estate to give you his legal agreement materialized by a sub-location authorization, in order to be able to claim eligibility for the Host Guarantee of the platform.
However, that is not all. Since Airbnb, in its run-up to the terms of its Host Guarantee, states that this guarantee can only be sought when all attempts to solve the dispute with your seasonal tenant have proved unsuccessful. In this case, it will be necessary to demonstrate the impossibility of finding a solution by yourself. This may be a conversation with your tenant, a telephone statement proving that the tenant does not answer your calls. In short, you will need to spend money sometimes rocambolic or spend a lot of time to prove that you are eligible for a limited warranty.
A Host Guarantee that does not replace housing insurance
Given its limitations, it is clear that the Airbnb Host Guarantee is more dedicated to a last resort solution than to a systematic solution in the event of a dispute with a tenant. This greatly reduces interest. This Host Guarantee is therefore absolutely not a substitute for home insurance, since Airbnb itself implicitly reminds the owners that they should only offer rental accommodation if it is insured.
We therefore strongly recommend that you learn more about the operation of the home insurance in case you rent your accommodation on Airbnb .
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