Our short term rental insurance policy covers liability anywhere on our property, on the bikes that guests are able to use (no charge to them & we must provide helmets) & on our boat or at our clubhouse. We do not get more booking for having the bikes available, but then most of our listings come through VRBO & TripAdvisor. We just have not had very many rental requests through Airbnb. Have no idea why. Our price is beyond low for what we offer & our location, so go figure.
This exact situation happened to me last month. I had a couple staying in my cottage and the chair leg broke as he sat down (he was very tall), he slammed down on the table and broke that too and put a pretty big scratch on the wall on the way down. I thought, oh god here it comes - the lawsuit. Instead he felt terrible about damaging my property, even offering to pay for a new chair. I declined, of course and made sure he knew my concern was for his well-being and safety. They left a fantastic review.
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