You go on holiday and decide to put your apartment on Airbnb or Booking to cover your costs. Upon your return, you discover that your game console and several pieces of jewelry have disappeared. Who do you turn to?
The exclusion of « theft without break-in »
The golden rule of standard home insurance is: for theft compensation, there must be signs of a break-in (forced door, broken window). However, when you give your keys to a short-term tenant, they enter your home legitimately. If they leave with your belongings, legally, it's not a burglary, it's a breach of trust or theft by trickery. The vast majority of home insurances will flatly refuse to compensate you.
Rental platform insurance
Faced with this, platforms like Airbnb have set up host guarantees (like AirCover). These guarantees theoretically cover damages and thefts caused by guests. But beware, the burden of proof lies entirely with you.
To trigger the platform's guarantee, you must prove that:
- The item was indeed present in the apartment before the tenant arrived.
- You owned the item and it had a specific value.
The pre-rental inventory: an absolute must
If you don't have a precise inventory, the platform won't reimburse anything, arguing that anyone could have stolen the item or that it simply wasn't there. With SafeInventa, you can maintain a photographic register of your interior, and all your purchase invoices are encrypted in a safe place. It's the ultimate weapon to prove your good faith to the platform's insurance and obtain quick compensation.