Airbnb Accidents in Los Angeles

With Airbnb in Los Angeles it is common for homeowners to rent their houses out for a short period of time (less than 30 days) through short-term hosting websites such as Airbnb. While this can be a great way to earn money, it’s important to be aware of the all the relevant issues, such as your liability for any injuries someone has while staying at your home, and insurance coverage for property damage or loss. Here are some of the key questions to consider.

Accidents can happen even in the best maintained homes. If you slip and fall on the stairs in your own house and break your leg, you can probably turn to your health insurance to cover the costs. But what if the same injury happens to one of your renters? If this renter files a lawsuit against you, claiming his broken leg was caused by your negligence in not keeping the stairway properly lit, the cost of hiring a lawyer to defend against the lawsuit will run into many thousands of dollars. And this doesn’t include the cost of any legal settlement or court judgment. Will the hosting company pay for all these costs? The short answer is “no.” For example, Airbnb, one of the best known hosting companies, states in its website’s terms and conditions that “Airbnb is not responsible for and disclaims any and all liability related to any and all listings and accommodation.” So, if there’s a problem, you’re on your own.
While short-term hosting websites like Airbnb and HomeAway do not provide liability insurance coverage to protect you against the type of renter accidents described above, some hosting companies provide limited coverage in the event a guest damages a host’s property

Video Transcript

You can go to AirBNB application, and you can find a room in which you could spend the night or several nights which is very much more economical than a hotel. The only problem is you are renting a room or rooms in a private home, and typically a homeowner would have homeowners liability insurance coverage and this would cover someone who comes onto the property and is injured– slips and falls, trips, or something of this nature in their home, and it is the homeowner’s fault.

But in the AirBNB situation, the homeowner is renting out a room and so they become a commercial enterprise so to speak. Normal