4 ms·

As a short-term tenant who isn't eligible for property insurance, there is no way for me insure against losses. I spent considerable time trying to get a policy

As a short-term tenant who isn't eligible for property insurance, there is no way for me insure against losses. I spent considerable time trying to get a policy after our burglary, and it wasn't possible. In my opinion, providing this insurance should be handled by the marketplace. The problem is that Airbnb stays are similar to airline flight delays - the cost of a problem can result in many times more costs than just the cost of the flight. The EU has very strict laws - if you booked a flight in good faith, then the airline is responsible for getting you to your destination, paying for your needs (food/housing) until that happens, and pay cash compensation of up to 600 euros. In my opinion, the government should provide the same type of legislation for short-term stays. If you make a booking, the platform should at least be responsible for housing you for the duration of your stay.

alexhutcheson 8y ago
Depending on your policy, your homeowners insurance or renters insurance (at your long-term home) may cover you for theft from hotels, Airbnbs, etc. If yours doesn't, you could shop around for one that does.
- philip1209 8y ago
  As a digital nomad, I have no long-term home. I literally live in Airbnbs. I tried finding a policy to cover me, but none exists. Policies also vary a lot with burglaries - eg some require signs of forced entry.
  - gambiting 8y ago
    Hmmm I wonder if in that case a good travel insurance would work. You are staying in those places temporarily so I'd argue it's travel.
  - debatem1 8y ago
    Have you considered starting this up as a business? Surely there's a market for it, and the claims data alone would make you a valuable acquisition target.
  - megy 8y ago
    Because it is a very uncommon situation.
extra88 8y ago
> As a short-term tenant who isn't eligible for property insurance, there is no way for me insure against losses. Why couldn't you get travel insurance that could cover accommodation costs and replacement costs due to theft?

alexhutcheson 8y ago

Depending on your policy, your homeowners insurance or renters insurance (at your long-term home) may cover you for theft from hotels, Airbnbs, etc. If yours doesn't, you could shop around for one that does.

philip1209 8y ago
As a digital nomad, I have no long-term home. I literally live in Airbnbs. I tried finding a policy to cover me, but none exists. Policies also vary a lot with burglaries - eg some require signs of forced entry.
- gambiting 8y ago
  Hmmm I wonder if in that case a good travel insurance would work. You are staying in those places temporarily so I'd argue it's travel.
- debatem1 8y ago
  Have you considered starting this up as a business? Surely there's a market for it, and the claims data alone would make you a valuable acquisition target.
- megy 8y ago
  Because it is a very uncommon situation.

extra88 8y ago

> As a short-term tenant who isn't eligible for property insurance, there is no way for me insure against losses. Why couldn't you get travel insurance that could cover accommodation costs and replacement costs due to theft?