To be fair to @duanemitchell, I should have backed my comment with context. If this piece were written by someone who knew anything about insurance, he/she would have done a comparison of the Airbnb insurance with a standard homeowner’s policy. Had they done that, they would have come to the conclusion that Airbnb’s policy is more comprehensive than the standard homeowner’s policy.
His/her conclusion could well have been than neither the Airbnb policy nor the standard homeowner’s policy are comprehensive. But this author chooses instead to single out Airbnb. Why? Because singling out Airbnb gets attention from readers and causes a stir.
Here are a few key points of his article:
1. Airbnb’s Host Protection Insurance does not cover the personal property of the host
Of course it doesn’t. It’s a liability insurance policy. The Host Guarantee is supposed to cover property. The author should have know that.
2. Airbnb is not responsible for any issues with a listed property that might cause damages to a guest or the guest’s property.
This is just a false statement. If course Airbnb is not responsible. The host is responsible and, property in the “care, custody, and control” of the host is covered under the property damage policy.
3. bed bugs or mold
I don’t believe this is covered under a standard homeowner’s policy but I may be wrong
4. Slander, defamation & criminal acts
These are never covered under a standard homeowner’s policy
@Como Can you provide more details on why you think the HPI is less comprehensive than a homeowner’s policy?