I did not have to file with my insurance first. I doubt my insurance would have covered this and they may have cancelled my policy.
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In the case of my friend I think it had become frayed or was pinched at some pressure point. Prior to meeting her I had extension cords in every room, sometimes two or three. When I came home and started checking them, at least one was alarmingly warm.
I certainly don’t. I think wiring is long lasting if done right but outlets get old, some old ones aren’t even grounded much less GFI. When I had my electrician in the first time he said “I hate extension cords.” Which just reminded me of one more I have in the garage I need to get rid of.
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@rod it’s true standard home insurance doesn’t cover STR’s as we are running a business from our homes or whole home listing. That’s why we need specialist home insurance designed to cover STR’s.
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Hi @KKC,
I just took a second look re GFI. There are some people in Hyderabad who appear to sell those outlets. I’ll try to remember to contact them tomorrow, though I’d really prefer a local place.
Thanks for the comments.
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Hi @faheem
I thought your question regarding how long wiring should last was interesting, so I asked my partner (who is an electrician). He said as long as it is properly installed and used, the wiring itself should last forever. Most issues arise when the wiring is overloaded, or maybe a rodent has chewed through. Or if indoor wiring is used outdoors. Nowadays with all of our “modern” technology, the older wiring needs to be replaced because it simply wasn’t meant for such loads.
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Don’t communicate with her. Let the insurance handle it.
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Which company did you go with for your insurance that covers Airbnb hosting?
State Farm currently covers the home we live in (and that has the in-law unit we STR) and our condo which is a standard long term rental. I also got quotes from Proper and Erie Insurance.
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Hi @tinyCar,
The wiring we replaced throughout the house in 2011 was a poor shape. I’m not an electrician, but it looked all shredded. I don’t remember clearly, of course. It’s been years. I’m not sure how long that wiring had been there, but I think a long time. Possibly as long as 40-50 years. It certainly looked like it had deteriorated. I don’t know what had happened to it, though. Rodents certainly exist here and get into the house, but could they really have caused such extensive and systemic damage? I suppose overloading is a possibility. I don’t have any idea what kind of damage that would cause, though.
The person who installed the new cables is an electrician and works for us. I didn’t review the materials he used, but he said he used the best stuff available.
The wiring thing brought to mind a similar experience we had several years ago. We were gone from our Lake Tahoe home during the winter and found that our TV/internet didn’t work very well.
The cable guy crawled under the house and said the cables were apparently gnawed at by critters. It had to be the raccoon, chipmunks or mice that hang around during the winter. It’s the first time I ever heard of that happening. He said the wires/cables were also laying on the ground so he secured them up against the frame and all was well.
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OMG… that happened to me… 1st guests in new townhome… 4 enormous people booked 1 loft…when I saw them I knew they were trouble… but I am a superhost so am nice… within 5 min. heard screaming … 1 of them (were 2 couples) fell down stairs, she was wearing flipflops… wide wooden stairs… she acted as if it was my fault… demanding this and that… my daughter visiting from LA called ambulance… to make long story short… was so scared what they what do started hyperventilating… had to leave the house when they left… called airbnb said I don t want them in my house… guests said she broke her ankle etc. anyway they wanted to stay… I said but they can t walk stairs… airbnb got them out… well ofcourse they wrote a really bad review but had it removed!!! they also wanted insurance etc. I never gave it to them!!! that was the end of it. Airbnb said I didn t have to respond… it was a total nightmare… so now I hang a paper in the room that they re in my house at their own risk… I mean seriously… what if they drown in the bathtub!!!
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Awful guests but you’re lucky they weren’t persistent. I’m surprised Airbnb said you didn’t have to respond. I hope to not have to communicate anymore with mine.
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Hello @Ellen_Liang
So what happened with Airbnb and their liability insurance cover? Originally you mentioned they said they didn’t have insurance to cover this. Did you contact them about their liability insurance that I linked you to.
Have they now agreed to consider the claim?
Any feedback would be useful for other hosts who find themselves in this situation.
It’s too early. I have to fill out a claim form, or maybe she does. The host insurance should cover this if I’m at fault, which I doubt. She wants to send the medical bills when she gets them but those usually take weeks. Will certainly post the outcome.
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That’s the UK page. What about the US page?
I think this Air insurance a big fat scam. They have every trick in the book to get out of paying a darn dime to anybody for anything.
Anyway, I appreciate this post because I looked into getting renter’s insurance a year or two ago and when I added that we do Airbnb it became super expensive. I don’t remember the exact cost but it seems it was something around $12,000 a year! But I just checked again and found a place that apparently specializes in insuring hosts and it was about $1,200 a year. I’m going to look into that.
The scope of the AirBnB liability insurance is limited, certainly not a replacement for Renters Insurance.
How would I know about the US page @JonYork I’m based in the UK?
People in the US would see the US page. People in the UK, see the UK page.
UK and US are two of the I think 15 countries covered.
Not sure what you mean by ‘renters’ insurance? There are two main ones needed; home insurance covering short term lets and liability insurance (and if you own the property, property/building insurance).
Why not speak to a few local brokers and get some quotes.
It’s something that’s common in the US and covers you if you are renting. So if your place was burglarized and your stuff stolen you’d be covered. Not sure it would do anything at all in an Air situation though, so if Jonyork were thinking of taking this policy out, he should ask the agent exactly what it covers.
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It’s called “contents insurance” in the UK, as opposed to renters or building insurance. One of the best firms for STR’s in the UK is the National Farmers’ Union, who have insured odds and sods for farmers, including STR’s for decades. Perhaps you have something similar in the US??
Hi @Joan do you use them? Would you recommend them? I use Admiral but I have heard Aviva cover STRs too.