Typical insurance behaviour, not specific to AirBnB¹. The issue is the difference between the more vaguely defined “Major Disruptive Event” and an “Act of God”

Typical insurance behaviour, not specific to AirBnB¹. The issue is the difference between the more vaguely defined “Major Disruptive Event” and an “Act of God”/“Act of Nature”. The latter has a fairly specific legal definition²³, and clauses covering it pretty much always override any protections offered by other clauses, no matter what policy adverts may lead you to believe when signing up and later making a claim. ---- [1] Not that I'm particularly a fan of AirBnB, but they are far from the only company guilty of this. Insurance is often very scummy. [2] Though that definition does vary in detail between jurisdictions. [3] ref: https://en.wikipedia.org/wiki/Act_of_God https://en.wikipedia.org/wiki/Act_of_God