Is Airbnb Travel Insurance Worth It?

What Is Airbnb Travel Insurance?

You may have heard some Airbnb horror stories that make you consider getting travel insurance. Airbnb offers a travel insurance option for guests. Guests can purchase insurance within 15 days of booking to enjoy the maximum benefits available. 

What Are The Benefits Of Airbnb Travel Insurance?

The benefits of Airbnb travel insurance include the following:

• Peace of mind: There are many things outside your control when traveling. Your flight could be canceled at the last minute, delaying your arrival. Unexpected illness could force you to leave early. Airbnb travel insurance covers many potential issues you could face that impact your Airbnb stay.
• Financial safety net: Airbnb travel insurance provides financial compensation for unexpected developments that impact your travel plans, including lost baggage, delayed trips, and illness
• Emergency resources: Your Airbnb travel insurance pays for a medical evacuation, so you aren’t left with costly ambulance bills after a medical emergency

What Does Airbnb Travel Insurance Cover?

The benefits include a total refund if you cancel your stay and financial compensation if travel delays affect your trip. The terms of the insurance policy outline reasons for delays that qualify.

Other Airbnb travel insurance benefits include compensation for the following:

• Delayed baggage
• Delayed or shortened trips
• Lost baggage
• Medical bills
• Sports equipment

Airbnb travel insurance also covers preexisting conditions. 

Does Airbnb Travel Insurance Cover Accidental Damages?

Airbnb travel insurance does not cover accidental damages in your Airbnb. If you or one of the people you’re sharing an Airbnb with causes property damages, the host may claim damages. You can either pay the claim or dispute the charges.

The claimant can charge your credit card for the damages if you don’t respond within 24 hours. 

What If Unsafe Conditions At The Airbnb Cause Issues?

Guests could file a premises liability claim against the hosts if unsafe conditions in the Airbnb cause injuries or prompt them to depart early. 

Suppose the Airbnb’s roof is leaking. Instead of repairing the leak, the property owner painted over the water stains and put towels on the attic floor. You notice a bulge in the ceiling in your bedroom and report it to the host, who assures you it’s structurally sound. 

The saturated towels eventually cause the attic floor to rot and break. You’re struck by debris and suffer a traumatic brain injury (TBI). Your TBI affects your trip and prevents you from working during your recovery. You can seek damages from the Airbnb host; however, winning a premises liability case involves proving the property owner’s negligence caused your injury, so you may need a premises liability attorney to handle your case.

Airbnb guests should carefully review their booking contract and clarify their rights before finalizing their booking. These contracts may include reasons the hosts can evict guests, and the Airbnb insurance company may argue you aren’t entitled to compensation for a shortened stay if you broke contract terms that led to your eviction. 

How Adam S. Kutner, Injury Attorneys, Can Help With Travel Insurance Or Premises Liability Claims

Adam S. Kutner, Injury Attorneys, helps Airbnb hosts prepare booking contracts to ensure they have the legal right to evict tenants and seek damages when necessary. We can also help you fight a disputed claim. We’ll investigate the claim and build a case justifying the damages you seek. We can also prepare your case if you’re facing a premises liability suit from a guest.

Our legal team also helps guests with Airbnb claims. We’ll investigate the grounds for a premises liability case, gather evidence to prove negligence and fight to get you the compensation you deserve.