Hi, everyone. After 4 years of hosting, we feel we should get liability insurance. For one thing, and older guest tripped over our cat and had multiple lacerations and a black eye. Luckily, she didn't sue.
Our GEICO won't cover airbnb guests. I know that airbnb offers Host Protection Insurance and some people have complained about it. There was talk about it being secondary, so if primary (GEICO) won't cover it, Host Prot. would.
I'd like some advice. We'd rather not switch from GEICO but do you think we have to? And if so, I'm hearing that State Farm is an affordable option, right?
If we do opt for Host Protection Insurance, do we have to sign up for it? How can I get some kind of contract? Should I phone airbnb?
And if a guest sued us for an injury, would Host Protection help?
Thanks in advance for any info to help us.