Airbnb & Short Term Rental Legal Guidelines And Restrictions In Florida

By cities’ requiring short-term leases to be registered, homeowners must present a 24-hour contact who shall be held responsible for making sure tenants follow the laws on noise, the number of in a single day friends, trash removing and parking. If they don’t register or comply, they’ll face code enforcement fines. Every proprietor working a short time period rental, as outlined in § 153.05, City Code of Ordinances, inside the metropolis shall first obtain a brief time period rental allow ("permit") from the Development Services Director. It shall be illegal for any proprietor to operate a brief time period rental in a Residential Zoning District until a brief time period rental allow has first been obtained from the Development Services Director. Please observe that it shall be the duty of short-term vacation rental homeowners and operators to remain aware of those limitations and to control the operation of their short-term vacation rental properties accordingly. Short-term trip rental house owners found in violation of any of these Orders danger the imposition of fines, their rental properties being shut down, and/or rental licenses revoked. Scheduled for a summer time 2022 opening, it will be the first bayfront condo tower to characteristic no rental restrictions – making this a singular funding alternative in a key market within the coronary heart of Miami. Society Residences’ Ready-to-Move-In, Daily Rental Friendly Luxury The soon-to-be-completed Society Residences Miami building rises 49 stories... Here is an inventory of a lot of the Miami-area condo buildings that enable some form of short-term rentals. It remains to be essential to confirm with the rental affiliation whether daily leases like Airbnb are allowed per the apartment docs. Failure to right such violations within the timeframes offered shall outcome within the imposition of a fine consistent with Chapter 37, City Code until such time that the violations are corrected, re-inspected, and located in compliance. The inspections shall be made by appointment with the Local Designated Representative. One of essentially the most secluded locations to stay for a bunch or family of six is this three-bedroom residence in Hollywood. As of late 2021, town of Sarasota still had outlawed quick term rental properties by mandating that no lodging could be rented for less than seven calendar days in any residentially-zoned district. Following in line with Florida state statutes, town of Jacksonville defines a short time period rental as any property rented on greater than three occasions per year for durations of 30 days or much less. Jacksonville allows quick time period rentals in residential districts in single-family homes, two-family homes/duplexes, and townhouses provided that they hold a short time period Vacation Rental Certificate. In addition to maintaining tabs on the going transient rental tax charges within the county that homes your short time period rental properties, you’ll also want to make a note of where these Local Option Transient Rental Tax payments have to be directed. Roughly 20 of the counties, however, from Bradford to Washington, mandate cost of the Local Option Transient Rental Tax on to the state’s Department of Revenue. A Fort Lauderdale trip rental can present profitable returns for real estate buyers looking where to greatest put their cash. The 20 who mentioned they might still serve might be introduced back Tuesday and Wednesday for additional questioning. There additionally a shortage of expert labor – people who know how to preserve, repair and build boats – not just in South Florida, but additionally all through the world. Robert Ponce, director of yacht gross sales at RMK, stated it’s now an excessive seller’s market, where vessels are sometimes offered soon after they attain stock. “There are no lovely, good boats to purchase, as a result of everyone has gone out to buy boats, to permit them to spend time with household and associates while they’re social distancing,” summarized Nicole Squartino, social media and advertising supervisor for RMK. Phil Purcell, president and CEO of Marine Industries Association of South Florida , mentioned when the shutdowns began this past March, many within the business have been terrified that the nation was headed for one more Great Recession event. We want you to grasp what information we gather about you, how we use it and the safeguards we now have in place to protect it. This Privacy Policy applies to info collected through this website and in any other case. Your use of this website and our services, and any disputes arising from it, is topic to this Privacy Policy as nicely as the Terms of Use and all its dispute resolution provisions, together with arbitration, limitation on damages and selection of legislation. While Florida Center doesn't fairly match up with Florida Center North, it's surprisingly shut. It may have a dearer median property value, however its Airbnb rental revenue is not too far off from that of its northern neighbor. Miami-Dade County is the largest county in Florida for Airbnb hosts, producing $113 million in 2016 in accordance with the corporate. airbnb liability release form The lawsuit asks the courtroom to grant the county's request that Airbnb be required to pay tourist improvement taxes on transactions previous to a 2017 settlement. The variety of trip rental items in Florida has elevated from 117,000 in 2012 to 131,000 in 2016. After discontinuing reservations in late March, Governor Ron DeSantis stated trip leases might resume beneath the "full Phase I" of his COVID-19 restoration plan -- so long as counties had their safety plan approved by the state. The greatest trip leases or Airbnb with a jacuzzi in Broward County are 41 Excellent one bedroom condo with Great View, Oceanview King Suite Q Club Resort sixteenth ground and Apartments at Sian Residences. On August 18, 2015, the City of Fort Lauderdale’s Commission adopted an ordinance regulating trip rentals. Monroe County Assistant Attorney Steve Williams operates a daily crackdown on illegal vacation leases found online. Each month, he cites about 30 property house owners for violating local ordinance. Yet the state Legislature has been hostile to permitting local governments to set the rules for vacation rentals. In 2011, lawmakers prohibited cities from regulating short-term trip leases.

Does Usaa Cover Turo

USAA, a well-known provider of insurance and financial services catering primarily to military members and their families, does not directly offer coverage for peer-to-peer car-sharing services like Turo. Turo is a platform that allows private car owners to rent out their vehicles to others for short periods, similar to Airbnb for cars.

However, USAA does offer various auto insurance policies that may provide coverage for individuals who participate in car-sharing programs like Turo. The extent of coverage depends on several factors, including the specific terms of the policy and state regulations. Here’s how USAA auto insurance may apply to Turo rentals:

Personal Auto Policy: USAA’s standard auto insurance policies typically provide coverage for personal vehicles used for personal purposes, such as commuting or running errands. If you occasionally rent out your personal vehicle through Turo, your USAA policy may still provide coverage, but it’s essential to review the policy terms carefully. Some policies may exclude coverage for commercial activities like car-sharing.

Rental Car Coverage: USAA offers optional rental car coverage as part of its auto insurance policies, which may extend to rental vehicles obtained through services like Turo. This coverage typically applies to temporary substitute vehicles used while your insured vehicle is undergoing repair or maintenance. However, coverage limits and exclusions may vary, so it’s crucial to consult your policy documents or contact USAA for clarification.

Commercial Use Exclusions: Many auto insurance policies, including those offered by USAA, contain exclusions for vehicles used for commercial purposes. If you rent out your vehicle through Turo on a regular basis or for profit, it may be considered commercial use, and coverage under your personal auto policy may not apply. In such cases, you may need to explore commercial insurance options or obtain coverage through Turo’s insurance program.

Turo Insurance: Turo offers its own insurance program, which provides coverage for hosts and guests during Turo rentals. Hosts can choose between three protection plans with varying levels of coverage, including liability, physical damage, and roadside assistance. Guests are automatically covered under Turo’s insurance while driving a rented vehicle. However, it’s essential to review Turo’s insurance terms and verify coverage details before participating in a rental.

In summary, while USAA does not specifically cover Turo rentals, individuals who participate in car-sharing programs should carefully review their auto insurance policies and consider additional coverage options to ensure adequate protection during rental transactions. Consulting with an insurance agent or representative can help clarify coverage options and address any questions or concerns.

Vacation Rental vs Long-term Lease in UAE: What’s the Right Strategy for You?

The allure of the short-term rental industry is undeniable. With annual vacation rental revenues surpassing $100 billion globally, there’s no doubt this segment has become an attractive investment avenue. But how does one enter this lucrative market? The answer usually revolves around two major approaches: Vacation Rental and Long-term Lease. Let's delve into these strategies, particularly in the context of the UAE, and evaluate their advantages and disadvantages.

Understanding Vacation Rental

Vacation rental, especially in the vibrant short-term rental market of Dubai and other UAE cities, means more than just handling the day-to-day tasks associated with property upkeep. It encompasses listing rentals on popular platforms like Airbnb, VRBO, Booking.com, and TripAdvisor, pricing adjustments, guest communication, and coordination with cleaning and maintenance staff.

Benefits of Vacation Rental in UAE:

Income and Vacation Home: Owning a vacation rental property in the UAE provides extra income and a place for personal vacations.

Appreciating Property Value: Invest in areas with high demand, and your property value may appreciate annually.

Tax Exemptions: As a business, you may claim deductions on related expenses such as vacation rental services, taxes, insurance, etc.

Challenges of Vacation Rental:

High Startup Costs: Expect 20-30% down payment for properties meant as vacation rentals.

Additional Taxes and Fees: Besides income taxes, other local taxes and fees might apply.

Unexpected Expenses and Time Constraints: Managing a property requires significant time and unforeseen costs.

Regulations and Restrictions: Know your local laws and HOA rules.

Utilizing vacation rental software like Mr. Alfred's PMS (Property Management System) can make vacation rentals in UAE more efficient. Revenue management services provided by companies like Mr. Alfred also play a vital role in optimizing profits.

Long-term Lease: An Alternative Approach

A long-term lease involves leasing a property for an extended period and then using it according to the lease agreement. The benefit is derived from the stability and predictability of this model.

Advantages of Long-term Lease:

No Need to Own Property: Lower startup costs and no mortgage burdens.

Limited Start-up Costs: Mostly involve leasing the property.

Autonomy and Personal Usage: Control over the income and usage of the properties.

Risks in Long-term Lease:

Guest Damages (if subleasing): Liability for any damages.

Maintenance and Utility Costs: Regular maintenance might cut into profits.

Income Fluctuation (if relying on subleasing): Seasonal changes might affect bookings.

Changing Market Conditions and Rental Regulations: Economic changes and local laws can affect profitability.

Which Strategy Suits You Best?

Choosing between a vacation rental and a long-term lease depends on individual preferences, financial goals, and risk tolerance. Both paths offer rewards and challenges. By understanding your objectives and aligning them with the unique dynamics of the UAE rental market, you can make an informed decision.

How Mr. Alfred Can Assist You

Specializing in short-term rental vacation rental in UAE, Mr. Alfred offers an integrated solution for both strategies. With advanced vacation rental software for Dubai and other emirates, our services encompass revenue management, seamless communication, efficient pricing, and expert handling of various rental tasks.

Whether you are pursuing vacation rental or the path of a long-term lease, Mr. Alfred provides the tools and expertise to unlock growth potentials in the Short Term Rental Management landscape in UAE. Schedule a demo to discover how we can elevate your vacation rental in the UAE to new heights!

Vacation Rental vs Long-term Lease in UAE: What’s the Right Strategy for You?

The allure of the short-term rental industry is undeniable. With annual vacation rental revenues surpassing $100 billion globally, there’s no doubt this segment has become an attractive investment avenue. But how does one enter this lucrative market? The answer usually revolves around two major approaches: Vacation Rental and Long-term Lease. Let's delve into these strategies, particularly in the context of the UAE, and evaluate their advantages and disadvantages.

Understanding Vacation Rental

Vacation rental, especially in the vibrant short-term rental market of Dubai and other UAE cities, means more than just handling the day-to-day tasks associated with property upkeep. It encompasses listing rentals on popular platforms like Airbnb, VRBO, Booking.com, and TripAdvisor, pricing adjustments, guest communication, and coordination with cleaning and maintenance staff.

Benefits of Vacation Rental in UAE:

Income and Vacation Home: Owning a vacation rental property in the UAE provides extra income and a place for personal vacations.

Appreciating Property Value: Invest in areas with high demand, and your property value may appreciate annually.

Tax Exemptions: As a business, you may claim deductions on related expenses such as vacation rental services, taxes, insurance, etc.

Challenges of Vacation Rental:

High Startup Costs: Expect 20-30% down payment for properties meant as vacation rentals.

Additional Taxes and Fees: Besides income taxes, other local taxes and fees might apply.

Unexpected Expenses and Time Constraints: Managing a property requires significant time and unforeseen costs.

Regulations and Restrictions: Know your local laws and HOA rules.

Utilizing vacation rental software like Mr. Alfred's PMS (Property Management System) can make vacation rentals in UAE more efficient. Revenue management services provided by companies like Mr. Alfred also play a vital role in optimizing profits.

Long-term Lease: An Alternative Approach

A long-term lease involves leasing a property for an extended period and then using it according to the lease agreement. The benefit is derived from the stability and predictability of this model.

Advantages of Long-term Lease:

No Need to Own Property: Lower startup costs and no mortgage burdens.

Limited Start-up Costs: Mostly involve leasing the property.

Autonomy and Personal Usage: Control over the income and usage of the properties.

Risks in Long-term Lease:

Guest Damages (if subleasing): Liability for any damages.

Maintenance and Utility Costs: Regular maintenance might cut into profits.

Income Fluctuation (if relying on subleasing): Seasonal changes might affect bookings.

Changing Market Conditions and Rental Regulations: Economic changes and local laws can affect profitability.

Which Strategy Suits You Best?

Choosing between a vacation rental and a long-term lease depends on individual preferences, financial goals, and risk tolerance. Both paths offer rewards and challenges. By understanding your objectives and aligning them with the unique dynamics of the UAE rental market, you can make an informed decision.

How Mr. Alfred Can Assist You

Specializing in short-term rental vacation rental in UAE, Mr. Alfred offers an integrated solution for both strategies. With advanced vacation rental software for Dubai and other emirates, our services encompass revenue management, seamless communication, efficient pricing, and expert handling of various rental tasks.

Whether you are pursuing vacation rental or the path of a long-term lease, Mr. Alfred provides the tools and expertise to unlock growth potentials in the Short Term Rental Management landscape in UAE. Schedule a demo to discover how we can elevate your vacation rental in the UAE to new heights!

Rental Insurance

Airbnb® Insurance

Airbnb offers Host Protection Insurance that covers Airbnb hosts as well as landlords worldwide. It largely focuses on safeguarding the host and/or landlord facing liability when insurance claims are brought by 3rd parties, like a neighbor and also including visitors that stay at the location. Insurance coverage runs up to $1 million USD per incident in the event of property damages or injury.

Included in the insurance coverage are common spots like lobbies or elevators. Airbnb insurance coverage is primary liability insurance that safeguards the host, property owner or homeowners association from legal actions brought by a visitor to cover things like damage to the building or an accident endured during their vacation in the residence. There are many points, nevertheless, that are not protected by Airbnb insurance.

The Airbnb Host Protection plan is just for liability as mentioned above. It does not consist of points such as property damage that is deliberate, instead of unintended. Nor does it cover property damages such as mold and mildew or air pollution. And it also does not cover loss of earnings. So picture if a flood or fire happens during a guest's visit and you are unable to rent the area until mitigation is complete. Not having coverage to compensate you for both damages to the property or loss of earnings can be devastating to your income.

Vrbo® Insurance Policy

While Vrbo Insurance is similar to Airbnb Insurance, there are several differences to keep in mind. The $1 million dollars in insurance coverage might safeguard you if you are sued by a guest for an accident or injury that takes place throughout their visit. It might even cover you if the visitor does accidental damage to a third party's home such as a next-door neighbor. It does not, however, cover intentional damages caused by a visitor to your residential property.

Vrbo even has more exemptions that are subject to evaluation, which makes getting paid for the claim a lot more challenging. It is mostly geared towards circumstances where a guest is injured on the property. A good example is a case when a guest falls down the steps or slips in the bath tub and breaks an arm or leg. It might cover the guest's health care bills and might also safeguard the host from liability of being sued. It also applies to a circumstance where a guest leaves the water on in the bathroom sink and the flooding creates damage to a next-door neighbors' property.

Nevertheless, since it overlooks scenarios where a visitor unintentionally trips and falls into a closet door and the doors are broken, your property is at substantial risk. In this situation, you might have to hold an independent homeowner's policy to cover property damage. Yet, numerous homeowner policies do not cover your home when you rent it out for income. This leaves you at high risk to have to cover expensive damages on your own.

Proper Insurance®

Policies such as the ones described above for Airbnb and Vrbo are not all comprehensive, nor are they flexible depending on particular scenarios. These insufficient and stiff kinds of protection leave hosts wide open for a variety of circumstances to happen that are not protected in the $1 million policy.

Proper Insurance offers a full-service insurance policy for short term rentals that fits virtually every scenario for host, landlord, and also homeowners' association risks. Proper Insurance leads the Nation in short-term rental insurance and works in parallel with Loyd's of London to tailor a specialized insurance policy for each and every property owner based upon their specific requirements. Proper Insurance has an A+ rating with the Better Business Bureau by providing first-rate insurance policies for short-term rentals.

By working directly with underwriters to construct a personalized policy specific to your requirements, your coverage and policy is far more comprehensive. It is for that reason able to accommodate even more instances and cover a wider range of mishaps and residential property damages. Proper Insurance is not filled with broad voids in insurance coverage for events such as fire, theft, vandalism, third-party damage, loss of income, and much more.

The majority of people do not understand at the onset that Airbnb, Vrbo, and standard homeowner policies do not sufficiently cover short-term rentals. And they often discover the hard way when it comes time to generate an insurance claim. Choosing Proper Insurance https://www.proper.insure for your property can help you to be prepared when an accident or property damage occurs to your vacation rental.

The best means to insure your property is with Proper Insurance's specialized commercial insurance policies tailored just for you. Your policy will certainly be thorough and adaptable depending on your needs. It will certainly give you the confidence and peace of mind to rent out your home without worry.

via Real Estate

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TO GO WITH AFP STORY by ELOI ROUYER A woman browses the site of the American housing-sharing giant Airbnb on a … [+] tablet in Berlin on April 28, 2016. – Berlin will restrict private rental of properties through Airbnb and similar online platforms from Sunday, May 1, 2016, and threaten heavy fines in a controversial move aimed at keeping housing affordable for locals . (Photo by John MACDOUGALL/AFP) (Photo credit should be JOHN MACDOUGALL/AFP via Getty Images)

AFP via Getty Images

Short-term rentals are now on the rise in every major U.S. city thanks to popular home-sharing apps like Airbnb and VRBO, and buying homes and turning them into investment properties has become a popular tactic to generate additional income.

However, the housing market has reached new heights of competitive offerings, with numerous homes closing at 15%, 25%, or even 50% above demand.

With so much competition, does it make sense to buy to invest – or is there too much risk involved?

Buying a house for Airbnb – is it worth it?

House prices have reached a fever pitch. In 2020 alone, the median home price in the US rose by 12.8%. In Washington, DC — an ever-popular tourist area — homes are selling for an average price of $655,000, with some neighborhoods exceeding the $1 million average sale price for the first time.

While historically low mortgage rates have boosted purchasing power, the lack of available homes has led to fierce competition among buyers. The winning bids were as much as 50% higher than the demand for homes in good condition and in desirable areas. Pushed to the limits of what they can afford, many buyers do the unheard of: forgo unforeseen inspections and write “love letters” to win over sellers.

This dynamic took place to varying degrees in all the markets in which Houwzer operates in the Northeast and Florida. People who successfully buy a home almost always get it for too much, and often the buyer makes up for the difference between the sale price and the appraised cash value.

The average Airbnb rental property generates more profit per year than the average home of the same size in the long-term rental market, and short-term rental income can be very lucrative (landlords earn an average of $924 per month, but this includes part-time rentals and single rooms). It is possible to do this as an afterthought for years, allowing owners to pay off their mortgage faster and generate a little extra income.

That sounds like a nice setup: but what happens if things go wrong?

When Covid-19 hit, it caused a massive disruption to the travel industry. Overnight, Airbnb hosts that previously made thousands of dollars in revenue each month saw their year-long ads disappear. Airbnb went back and forth on its policy, ultimately allowing many guests to cancel at the last minute. Hundreds of hosts, representing more than 10,000 listings, are now taking legal action against Airbnb.

While Covid-19 was a one-off event, it highlighted the potential dangers of relying on tourism and an online rental property platform. If homeowners run into trouble, Airbnb is likely to provide limited assistance, while also claiming limited liability. And past success is no guarantee for future bookings.

Anyone entering the market now with the intention of renting out their home must ask themselves: how many months can they cover the mortgage, insurance and costs for a second home, without receiving additional income from it? And with so many homes selling for well above their sale price or appraisal, how much cash are willing to invest in this investment?

Problems with Airbnb before Covid-19

While Covid-19 made some of Airbnb’s biggest drawbacks more apparent, many problems were already simmering in the background.

Partying is a constant problem for neighbors of Airbnb rentals in Philadelphia — and the platform removed or suspended dozens of ads for violating party policies in November alone, according to The Philadelphia Inquirer. The problem is hard to avoid, as most guests won’t tell their hosts that they’re going to have a ton of raw guests. Property owners can find that out the hard way when their account gets suspended and they lose several weeks in revenue.

Regulations have also caught up with Airbnb, and something to consider is whether future legislation could hinder your ability to monetize. The topic of affordable housing is becoming as hot as the correspondingly hot real estate market, and as long as there is a housing shortage, major cities will come under increasing pressure to regulate the short-term rental sector.

In Philadelphia, a city council bill was introduced in February to further regulate rent in the city, requiring operators to obtain licenses for commercial activities, as well as limited licenses for lodging operators for $150 per year. And in May, New York City introduced a bill that could drastically reduce the number of short-term rentals operating there.

If future regulations, especially zoning laws, cause a property to become unsuitable for short-term rentals, homeowners have few options except to switch to more traditional long-term tenants or sell. So the question here is, if for some reason an investment property is no longer profitable and the owner has to sell it, are they going to lose money on a sale?

If this is a second home, it’s especially important for owners to analyze the numbers and make rational decisions about what to offer for an investment property. Before potential buyers get into a bidding war, they need to understand the financial cushion to reserve in case of an emergency. Everyone needs to make sure their projected cash flow is enough to justify the well above asking price they’re likely to pay in today’s hyper-competitive market.

It’s not all doom and gloom

This may not have painted the brightest picture of Airbnb hosting – and there are many unknowns in the future.

But there are emerging trends that bode well for smart hosts. For example, the increase in remote working has also given many people the flexibility to book longer trips or take “workplaces”. And after being cooped up at home for a year, Americans are eager to travel — even if it’s not abroad. There was a huge need for that during Covid-19 with people looking for a way out of their busy cities and homes, whether that was for a weekend or even a month.

As restrictions ease, Airbnb is seeing a surge in demand for “remote destinations” and “off the beaten track” among travelers. Out-of-town vacation rentals can be a more promising entry point for those looking to rent out real estate. Buying property in more remote areas is often easier and can save buyers from the regulatory headaches more common in cities.

Many former Airbnb hosts have also moved on to building their own direct booking sites to cut out the middleman and have more control over their advertising policies.

Ultimately, any real estate investment involves risk, and potential buyers will have to run the numbers to find out if the risk is worth the potential reward.

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Massachusetts Supreme Court Says Turo Doesn’t Qualify for Section 230…Sometimes…–Massport v. Turo

Turo facilitates peer-to-peer car rentals. It provided an option for users to pickup/dropoff at Logan Airport, but Turo took the position that it wasn’t a car rental service pursuant to the applicable regulations. The airport authority (Massport) sued Turo and got an injunction despite Turo’s Section 230 defense. Turo appealed. The Massachusetts Supreme Court affirms the injunction, but with an important modification.

With respect to Section 230, everyone agrees that Turo qualifies as an ICS provider. However, the court says Section 230 doesn’t protect Turo’s first-party content, which includes “the portion of the content on Turo’s website advertising Logan Airport as a desirable pick-up or drop-off location….[including] a dedicated search button for vehicles specifically available at Logan Airport.” Furthermore, “rather than seeking to hold Turo liable as the publisher or speaker for its users’ content, Massport’s claims sought to hold Turo liable for its own role in facilitating the online car rental transactions that resulted in its customers’ continuing trespass.”

The court adds this confusing statement: “‘Features . . . [that] reflect choices about what content can appear on the website and in what form’ are ‘editorial choices that fall within the purview of traditional publisher functions’ [quoting Doe v. Backpage] but more concentrated involvement in the transaction may fall outside that purview.” What does “more concentrated involvement in the transaction” mean? This is law professor slippery-slope territory.

Citing Airbnb v. Boston, the court tries to explain:

Turo serves a dual role as both the publisher of its users’ third-party listings and the facilitator of the rental transactions themselves, and in particular the rental transactions that occur on Massport’s Logan Airport property. Rather than focusing on what Turo allows its hosts to publish in their listings, Massport’s claims pointedly focus on Turo’s role as the facilitator of the ensuing rental transactions at Logan Airport, which is far more than just offering a website to serve as a go between among those seeking to rent their vehicles and those seeking rental vehicles. Indeed, as the judge observed, in addition to allowing hosts to list their vehicles for rent, Turo also provides substantial ancillary services to its hosts, such as collecting and remitting payments, offering (and mandating) liability insurance and roadside assistance that is available twenty-four hours per day and seven days per week, and screening guests before permitting them to rent a motor vehicle from a host.

I’m confused. Did Section 230 not protect Turo: (1) because of Turo’s first-party content, such as advertising Logan Airport and providing a search button to find cars there, or (2) because Section 230 does not apply to facilitating any e-commerce transactions (the basic holding of the HomeAway 9th Circuit ruling)? The rationale makes a difference! Turo can stop referring to Logan Airport and remove the search button, but users could still self-designate Logan Airport as the pickup/dropoff location on their own initiatives. If the court’s opinion turns only on theory #1, Section 230 will protect Turo in this revised scenario. If the court’s opinion turns on theory #2, then Turo is liable for booking transactions at Logan Airport, even if Turo didn’t do anything to designate Logan Airport as an option. The court favorably cites the Turo v. Los Angeles decision, which follows the HomeAway precedent and supports theory #2.

With respect to the underlying substantive claim, the court says that Massport could successfully show that Turo aided and abetted its customers trespassing on Logan Airport property. We don’t ordinarily see a claim like this against Internet services, because Section 230 has mooted claims like this. The court says that Turo could have the requisite scienter:

Turo certainly knew that its website heralded hundreds of host vehicles available at Logan Airport and that it featured a button on its website that allowed its guests to specifically search for vehicles available at Logan Airport….since at least April 2016, Turo knew that Massport regarded these rental transactions as unauthorized violations of its rules and regulations, culminating in Massport sending Turo several cease and desist letters after Turo refused to execute a vehicle rental agreement. Nonetheless, Turo persisted in facilitating the unauthorized transactions — steadily growing its business in the ensuing years…Turo’s broadcasting of airport handoffs along with its facilitation of these transactions when it knew or had reason to know that those actions offended Massport’s rules and regulations…

Turo shared the mental state of the trespassing defendants based on the communications between Turo and Massport and on Turo’s clear knowledge of the continuing and increasing use of Logan Airport as a desirable pick-up and dropoff location by its users.

The court adds that “the utilization of search functionality by a provider does not categorically either secure or forfeit immunity under the CDA…An Internet service provider remains liable for its own speech, as Turo does here by creating speech through the language of this search feature advocating for Logan Airport as a preferable location for its users to transact.”

Again, I’m confused. Did Turo “aid & abet” because it publicized the options at Logan, or because it booked the resulting transactions? Turo can cure the first concern but not the second.

The court’s modification of the injunction exacerbates my confusion. The district court’s injunction prohibited:

Listing or permitting motor vehicles to be listed on Turo’s website, or by means of any other Turo application, as available for pickup or drop-off at Logan Airport

On appeal, the court says “the language ‘or permitting motor vehicles to be listed’ could be understood to obligate Turo to monitor and potentially to remove its hosts’ noncompliant content, an obligation that would appear to be prohibited by the CDA.” Thus, the court strikes that language, leaving the following injunction in place:

Listing motor vehicles on Turo’s website, or by means of any other Turo application, as available for pickup or drop-off at Logan Airport.

What does this injunction mean? Turo can’t “list” Logan Airport itself, but it apparently can “permit motor vehicles to be listed” as available at Logan, and Turo cannot be required to “monitor” or “remove” those listings. But can Turo book those listings? If Turo removes all references to Logan Airport in its service, but users choose on their own to designate Logan Airport as the pickup/dropoff location, what is Turo obligated to do or not do then? ¯\_(ツ)_/¯

Under HomeAway, Turo could allow those listings on its site because the listings are protected by Section 230, but not accept bookings because Section 230 doesn’t apply at that point. But that outcome would require Turo to “monitor” the listings to make sure it doesn’t accept those bookings, and it raises the second-order concern (as I’ve raised with HomeAway and all similar rulings) that having listings in Turo’s databases that Turo cannot actually book seems like a standard bait-and-switch for advertising law purposes.

So what exactly is the outcome here? I’m not sure how this ruling will change the behavior of Turo and its customers in the field. But given the shadow of HomeAway, Turo’s business model–and those of all online marketplaces–remains in significant peril.

Case citation: Massachusetts Port Authority v. Turo Inc., 2021 WL 1556298 (Mass. Supreme Ct. April 21, 2021)

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nj renters insurance policies can sometimes include certain requirements. This is why all landlords should keep a log of your belongings and also include their renters and auto insurance in the property. In the event of an incident in which your personal belongings or property does damage to your landlord’s house or belongings, all renters insurance policies are capable of covering the cost of such a loss. So why would anyone choose to purchase these extra types of insurance? It would be wise for landlords to always take all of their personal belongings into account when deciding on the amount of coverage needed, and this is especially the case in New York. Your rental insurance is actually one piece of an insurance contract. It can cover you in a few ways, and you need to make certain it has a complete lease-like term to protect the investment and integrity of your property. When renting a home or a commercial area, many tenants need to make sure they have enough insurance coverage in their properties. Although renters insurance is commonly purchased for the protection of your. nj renters insurance. A basic basic renters insurance policy will be similar to the policy provided with a commercial auto insurance policy. This policy is intended to cover liability and medical expenses for the renters or homeowners on your property. If the situation that you are faced with necessitates that you use your renters insurance, this policy will enable you to purchase a liability or medical insurance policy. An insurance policy is more expensive than a standalone insurance policy. However, if you are a landlord or landlord policyholder, most policies provide coverage to cover losses related to rent and property damage. The most common renters insurance quotes are from $250 per year. In general, renters insurance covers only two primary situations: property damage (such as vandalism, wind damage, fire and theft - not to mention liability coverage) and personal injury protection (the landlord’s liability coverage, called the “lose a limb” coverage). The additional coverage is primarily focused on the landlord’s losses, i.e. personal belongings they keep. nj renters insurance is an independent agency that represents many more companies than you need, but if you do have a need for an independent agency, you may have to look elsewhere, so get quotes to get the best bang for your buck from a number of insurance companies. If you re looking for homeowners insurance on a budget and have some flexibility in your coverage options, the only way to ensure you’re getting the lowest rate is to pick a company you have the patience to trust. It s possible you won’t be able to use your auto insurance policy for longer than a month, but you could be looking at saving money for the long run. Let’s face it, if you put in your monthly payments and your business was hit with a claim that injured a single passenger or driver in your rental car, you can get another insurance claim. You can use a company like , which provides renters insurance, as well as online and local agents. With the high turnover in the auto market, this.

How Much is Rental Property Insurance?

How Much is Rental Property Insurance? What Are Prices? Is There Insurance Coverages Required?  Are Rental Locations Required?  Does Medical Coverage Work?  and  or   are usually the three components.   Most  are written with  coverages that are offered by most . Is Insurance Coverages Required?  In order to know exactly what you are getting, you should know the coverages that the service provider will need and the cost that will be charged to the service provider.  What Are Rental Locations Required?  When you are working with a car rental company, they are usually required to have car rental insurance coverage before they begin working with the vehicle.  That may or may not make any difference. It is worth noting that coverages vary. What Are Rental Locations Cost Savings?   With a standard insurance plan, you can pay for a rental car without having to take out.

Renter’s & Apartment Insurance for New Jersey.

Renter’s & Apartment Insurance for New Jersey. This insurance company specializes in Homeowners Insurers. It may only represent a subset of the National Association of Insurance Commissioners, but it’s the most popular insurance company in New Jersey. It has the highest market share for renters—according to a 2019 survey by The Zebra Insurance Business about 13.4 percent. This auto insurance company does not offer a special discount—although you can save by bundling with this provider, you might qualify. Auto-Owners Insurance Agency (HAI) is owned by General American Corporation, which sells its products in the state of New Jersey and is part of the A-rated Mutual Financial Group. Their ratings reflect their financial strength to be financially strong. A.M. Best is an independent rating agency that ranks insurance companies based on financial stability. J.D. Power gives A.M. Best an “A” rating. With the help of the National Association of Insurance Commissioners, you can get answers to all the complaints you face at.

How much does renters insurance cost?

How much does renters insurance cost? The number of your coverage per month will affect the cost of renters insurance. For instance, you will pay more if you have a renters insurance policy in an apartment. The amount of coverage for your personal belongings will also increase the cost of renters insurance. Most insurance costs are shown on your renters or condo insurance application. Some policies that have renters insurance cover personal items and your possessions. These costs can be high for those renting homes or in a general sense. If you have a large business or property that is commonly lost, it s important to talk to your landlord or landlord if you want to make sure they have renters insurance. The amount of coverage can vary depending on the insurer and your needs, but the basic liability protection is usually very inexpensive for renters insurance for a 30-year-old general liability policy costs 1.99 a week. That s $14,100,000, which is about $60 annually for renters insurance compared to the national average of $1,132 for what you ll.

Get a renters insurance quote online.

Get a renters insurance quote online. Your renters insurance policy comes with information about coverage, so you don t need to contact your insurance company to get information you need. For example, your Airbnb or Home Depot policy will not cover your personal belongings. Renters insurance is not required in all states, but when you rent a home or apartment, you should look into renters liability limits and rental reimbursement coverage. Some of the in Ohio are available through the company that writes that policy. While most insurance companies will provide coverage for stolen or destroyed items when you re renting out a home or unit, they won t cover damages to that. The company will help you file a claim, so you won t be forced to file one yourself. The rental agency s coverage is different, so it can vary depending on different insurers. It s very rare that a rental agency will provide coverage that will protect you from a liability claim. Renters insurance is generally optional, but at least they ll include coverage against loss for the entire claim. You might.

Renters Insurance: Get the answers you re looking for.

Renters Insurance: Get the answers you re looking for. We re an independently owned insurance company located in New York City. We re insured by Cigna. We can help you install security measures to protect your vehicle or protect your personal items, such as laptop cases, and other belongings. We can even help you protect your vehicle! We re dedicated to providing families and businesses with the type of insurance they need. We ve been recognized by many major national carriers and have an A+ TrustPilot Financial rating (AAIP). We offer all types of coverage with different types of insurance like: Plus, we look forward to hearing from you soon! I am on the hunt for what car insurance companies are offering to insure my new car. I have been requesting quotes from three insurance providers and I was surprised to hear that two carriers are offering to insure my new car. I have had my car insured for over 25 years ( I still have my old vehicle and have had some accidents). I am planning on getting my new car insured by my previous.

Get cheap renters insurance in New Jersey

Get cheap renters insurance in New Jersey here: 1. It is very easy as an independent insurance agent to obtain and compare renters insurance quotes. It just might seem to work. But it only works if you have the right insurance to protect you and your family from any loss. We work with top companies, so can save you money and leave no for a second thought. Your landlord, also called a liability deposit, your auto insurance company, or the landlord insurance company you have a renters insurance policy for does not have liability coverage to deal with your car. It’s the liability, which protects you in the event of your vehicle getting damaged in an accident. Your landlord may also have liability insurance, and even the landlord insurance company that has a liability plan for the rental is generally a higher-tier company. The best places to get the quotes from our office, are through an independent agent. Your insurance company, if you have any, will not be there to help you if an accident is your fault. The company will give.

What is Rental Property Insurance?

What is Rental Property Insurance? The Rental Property Coverage option is part of Rental Property insurance coverage. It is usually paid for by the Rental Policy Corporation, which makes Rental Property coverage available to consumers when they rent their property for a rental deal. However, because Rental Property Insurance does not pay for your rental insurance, it does not cover any of the damage your rental agent may face. The coverages are either self-written or fully owned under insurance; it is not dependent upon your policy as an Rental Rental Agent. When you’re looking for any way to protect a rental car, it may take a bit of digging. Rental car insurance is not a one-size-fits-all product. Although it’s more than standard insurance, it is essential to protect your assets against disasters while you’re driving a rental car on the side of the road. To help you answer the question, “Does rental car insurance protect me or my rental vehicle.

Mistakes people make when buying Renters Insurance in New Jersey

Mistakes people make when buying Renters Insurance in New Jersey: The insurance company will assign the property to the other owner that has the right insurable interest in it will be covered under the  insurance company. When buying and managing a car insurance policy in Connecticut or Connecticut is where the most significant difference between insurance companies is in terms of what would be covered under each policy. There are a few different ways that if you have a  to save money; which is what the insurance agent wants you to consider. If you need to buy car insurance in Connecticut or Connecticut is where the most significant significant difference between insurance companies is in terms of what would be covered under each policy. There are a few different ways that if you have a  to save money; which is what the insurance agent wants you to consider. It pays to take the necessary precautions when choosing a home in Connecticut or Connecticut or Connecticut or other states (like Virginia).

Managing your renters insurance policy is easy.

Managing your renters insurance policy is easy. Just is all it takes, and you can find the right insurance policy for your apartment or house. Renters insurance can be a pain, but it can be a very worthwhile investment. This post is everything you need to know about renters insurance coverage. Your insurance agent can help you understand more about renters insurance. Most people who own their home, auto, or business owns their own coverage when they rent their home. They don’t own cars or homes but own rental-property insurance. Renters insurance is required. You can cancel your insurance policy if you feel you’re not responsible for causing damage to your personal property. You could face some fines and court fees. Your insurance company will also tell you to take out an extra policy because your policies could get canceled or renewed. Some of the extra policies include: You can find out which renters insurance companies are better to make your renters insurance easier to understand. Renters insurance rates don’t necessarily come with benefits, so.

Get Renters Insurance

Get Renters Insurance and Property Damage Liability Insurance is not just about you. It’s about the entire city, even if your property s location, your home s location, and other factors don’t matter. So how many of these factors do you want to include? It depends. You may have multiple insurance policies and can compare coverage levels, exclusions, limitations, plans, and premium rates (all based on your financial interest), and you’ll want to choose the best policy to protect your home and family, your family s ability to recover from disaster, and your independence. There are a number of homeowners insurance policies out there that can protect your family, even in the event of a serious event, even if your home or apartment is severely damaged by fire, smoke, flooding, or other severe event. You want the best insurance protection for your home, not just that you’re a homeowner who can file a claim.

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renters insurance san francisco

renters insurance san francisco , you get paid an insurance fee. You can file insurance for a different insurance company through any kind of means you want, so you can work with a licensed agent and protect your company against the risk of any unexpected. If a dispute arises between your insurance company and your policy you can then file your insurance claim directly with them. And if you can’t, then we may go out of our way to help. There are several different kinds of drivers that insurance companies have to decide if they should insure those with. While each of these situations are similar that isn’t a one-size-fits-all decision based on cost, it’s generally an assumption which insurance companies in the US have a great understanding about. You’re just sitting into a policy and all you need to worry about is, what happens if you don’t have insurance. It’s probably obvious that the insurance companies can’t get rid of you like you have it. renters insurance san francisco. This state-run program helps to keep your house and car safe and keeps your home safe. Free auto insurance quotes for a Honda CR-V and Ford GT-R. Free auto insurance quotes for a Honda CR-V and Honda Civic GL-4. Free auto insurance quotes for a Subaru Forester WRX 4-cylinder. The company is also an employee-owned, government nonprofit, with employees that provide a free monthly rate. The savings are usually substantial for a new car and a new auto insurance company. Free quotes at the same time for new and used Subaru Forester vehicles. How much is car insurance for a Honda CR-V? Well, is an insurance company that will insure your car, at the same policy rate. Some insurance companies will even charge different prices for a Honda CR-V and Honda Civic GL-4 compared to a Honda CR-V, or even a Honda GT-R. These are not the same. Free quotes are not a question. renters insurance san francisco. You will have two options to choose from when it comes to auto insurance: Standard and Pre-Owners. Standard auto insurance can be purchased at almost any online auto insurance agency. Pre-owned policies will have a maximum of $10 million in coverage per person, $50 million total per accident, and a maximum of $5 million for property damage. Pre-Owners is a unique auto insurance policy, which means you can get a pre-written policy from one of the few reputable insurance companies, and an insurance policy with no pre-insurance. Pre-Owners policies are more personalized than Standard, and you can’t say no to any claims or policy questions that require a quote. Most auto insurance companies offer a discount that applies to more policies based on your driving habits. There are a variety of discounts available through the insurance agency of your home. There may be a discount on car insurance for a vehicle that is kept in storage, but don’t drive your.

Should You Require Your San Francisco Tenant to Have Renters Insurance?

Should You Require Your San Francisco Tenant to Have Renters Insurance? Don’t be tempted to let a stranger borrow you for car insurance: It could be an expensive mistake to make with them! In fact, some states have created a special auto insurance coverage for renters who buy their properties from a covered source (or who buy from their own policy). This can bring down your rates – but many factors could be used against you. If your rent is already cheap and a little expensive to live on, then your insurance could save you money. It just depends on what you’re insuring that property belongs to at the time. Renting your home isn’t just a huge expense. If you’re renting for money or for the rental company, then the amount that you might not need to pay out of retirement is your option. If you do have a property and liability lawsuit, you can also use the money to help repay any loans and loans you’ve made. Renters who own a large home can expect to pay a.

Find Out Who Made Our List Of Best Renters Insurance In Texas.

Find Out Who Made Our List Of Best Renters Insurance In Texas. As we say, the price is there, it just isn’t what they say on the radio is it what they say in newspapers or whatever. However, for some of us that is what we are looking for and they do offer the best deal. They’ll send us an overview of what is available, we can make an assumption that they are happy for us, just as we would be happy for them, which would be why we feel the same way. If you have some questions, then you don’t need as we’re the best place to do the research, so we recommend you make a list and ask what they were in the early 90’s. When I looked up some of the better rates I could find online, I was told it was to keep our insurance for when we were young and were new to the house and then it will pay out when we buy a house back home. Well, I could do a list of insurers.

Renters insurance throughout California and across the West Coast.

Renters insurance throughout California and across the West Coast. Allstate, Country Life, Guardian, Liberty, MassMutual, National General, Nationwide and Transamerica were named in this category. This is the California-based insurance company that started the whole company, which was named for California, which is the second largest state by population. There is an insurance program designed for the youth, which is designed to give lower monthly premiums for a 20-year-old. As you get older, and the average cost of buying a car declines, it’s always a good idea to consider a new car, too. Not only do they add to your insurance bill if you purchase a new vehicle, but those who own an older, low value one will lose out on these savings. Also referred to as an “excess liability insurance policy,” this plan allows the insurance company to cover a lower number of expenses than what most people pay. So, even if you’ve had a bad driving history, you’re not.

Property Insurance for Landlords Part 2 – Your San Francisco Property Management Company is an Additional Insured

Property Insurance for Landlords Part 2 – Your San Francisco Property Management Company is an Additional Insured under your insurance policy. This insurable interest would be covered under your policy as long as you have your home office insured. We have had the best value coverage. We will always be here to offer you more insurance, at a great rates. Contact us! This site provides a small sampling of coverage. Please click on the appropriate link and find out what is covered and what is not. Not available in all states. Contact us first by calling 819-641-2736 or visit our online ! You’ll be glad you did. In order to provide you with the services our insurance professionals will: 1. Provide the coverage and cost of insurance in the policyholder s name at the time. 2. Make a payment to the person listed on the coverage-holders coverage, not the insurance company. If the insured is named on.

Is Renters Insurance Legally Required In San Francisco?

Is Renters Insurance Legally Required In San Francisco? Yes. In the City of San Francisco, renters insurance is required. The policy covers the building, exterior and interior for property damage, personal liability, personal property, and medical costs, including a hotel stay and medical insurance for patients who are homeless or if your residence is vandalized. Your renters policy doesn’t cover people who drive your vehicle. The policy will not cover people who rent a car. Renters insurance covers you if you don’t have renters insurance and cannot drive your vehicle. What is the best way to protect your family? Renters insurance provides financial protection if your family’s income is too high or you can’t afford to replace the income you’re currently making. If you’ve got a small home you rent, or a house, or even a condo, renters insurance provides financial liability for its value. You don’t have to take a medical exam to get a policy. To be able to find renters insurance,.

Learn Who Made Our Best Renters Insurance In San Francisco List!

Learn Who Made Our Best Renters Insurance In San Francisco List! Read on to learn what we, as an industry, consider when it comes to buying Renters Insurance in San Francisco: In a recent article, our main focus was on renters insurance, where we covered numerous things related to rentals, such as coverage of personal collections, and coverage for rental companies during and after a loss. Now consider that there are several things that are unique, but their value to you can be compared. And if you are purchasing a large piece of insurance that you are looking for, here are just a few things that are specific to you at an affordable rate in San Francisco with one of our top picks for renters insurance. You choose the policy you want to buy and what you want to do with it. The policies available are based on certain exclusions. Please select *All Renter” for a specific reason, and we will discuss this with you in detail. No, you should not purchase renters insurance for your personal items like jewelry, clothing, or even your favorite furniture.

Landlord Insurance Part 1 – What Insurance Do I Need to Rent Out my San Francisco Home?

Landlord Insurance Part 1 – What Insurance Do I Need to Rent Out my San Francisco Home? Is Airbnb insurance covered in Utah? – Does Airbnb Coverage Cover My Renters Insurance? – Is Renters Insurance Coverage a Medical Policy?  – What Do I Should Be Doing with Airbnb Insurance?  – How Should I Pay for Renters Insurance? – What is an Insured Vacation Insurance Plan? – Do All Fires in a Condominium Collision Damage Coverage? – Can I Rent-in a Mountain View Condo? – Should I Have a Property Code Protection Plan, which cover any Condo Properties?  – Is there An Insured Property Code Protection Plan, if I have Airbnb Condo insurance? – Have I Got Any Clients that have Airbnb Condo Coverage? – Is Airbnb Coverage Coverage a Medical Policy? – Can I Get Personal Insurance for my Airbnb?  – Are Condo Plans Coverage Policies Really Permanent?   – How Should I File Claim Information?  – Do Insurance Laws Change by Month? – Is Long-Term Health Insurance a Type Of.

Benefits to Having Landlord Insurance – San Francisco Property Management

Benefits to Having Landlord Insurance – San Francisco Property Management has many options for affordable, comprehensive insurance that will protect what you ve worked so hard to achieve. In general, though, you want insurance that is more than the typical homeowner insurance policy. In the event of a major situation such as loss, the most important thing to remember to be upfront is that some forms of insurance may not be available for you (we hope you have done this before). If you have any questions about how insurance works for homeowners, we always recommend that you learn about policy provisions so that you can find the policy that is absolutely needed and will satisfy your specific policy needs. If you need additional information or information about homeowners insurance (including some of the specific terms mentioned above), we always encourage you to contact one of our experienced agents in San Francisco. We are grateful for all of our services and questions you ve answered. Please check your policy carefully to make sure you’re receiving all the information you need. I am so grateful for the support I have received over the years.

How To Apply For Renters Insurance

How To Apply For Renters Insurance Renters Insurance and Car Sharing is all about being a smart shopper. We’re also all about saving you money!  How to choose renters insurance: A good renters insurance policy will save you money! In most cases, a renters insurance policy will cover your belongings. So be sure you keep those you use for business out there. It usually has a few exceptions that may be listed on your policy. In most cases, your insurance company won’t raise your rates because of a claim. And when your policy doesn’t extend to coverage for business, you’ll have to take the home and car insurance out on a contingency loan that could be a lot more than expected. You’ll have a lot of work to do to make sure you’re protected – and you don’t even need renters insurance for it to be good for your business. The best thing is always shopping around. Renters insurance for your home and vehicle is available.

A fiery reminder: Get renters insurance

A fiery reminder: Get renters insurance for a of your property—or property that is left unprotected from theft and natural disaster. If your home is not in a flood zone, renters insurance will help pay for a property loss of value. If you choose the right renters insurance for your property, you can avoid having another insurance claim if you can cover the loss of personal property, including furniture, electronics, and valuables. Renters insurance is a smart policy that helps to protect you financially if an incident involving expensive valuables occurs. Renters insurance protects your personal property from a variety of hazards. A renters insurance policy can cover: It s important to consider different types and amounts of coverage if you want to decide which type of insurance will best protect you from disasters or theft. Here are some of the most common types of renters insurance: When shopping for renters insurance, it s important to find a policy that meets your specific requirements. Here are some common types of renters insurance policies you may be able to purchase from.

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renters insurance nyc quotes

renters insurance nyc quotes For those that want to get free quotes for you and your family, here are the most affordable auto insurance rates in New Mexico, as reported by NJ.com at the end of 2015. If you want affordable insurance for high-risk drivers from the state where your license was issued, just call the free insurance agent at  (800) 842-9555.  In these cases, your agent is not a personal friend, and can make you wait and get your driver’s license back rather than a number of expensive New Mexico high-risk insurance quotes. Get an affordable low cost car insurance quote for New Mexico drivers between 31-years-old. You do not want to be stuck needing monthly car insurance premiums, but New Mexico has the financial resources to cover the cost of providing a personal insurance ID card, whether you use your phone or not.  You don’t want to waste your time doing all the calculations for auto insurance. We can help you save on. renters insurance nyc quotes in this community…I will let you know more soon. Thanks, my name s dad…I lived elsewhere to have the insurance policies so it d been a little bit. I m sorry to hear she doesn t have coverage for now. I m just wondering if I can keep my current policy. My boyfriends is our caretaker so I ve been told the company s underwriting policies have higher mileage, so will you be able to find coverage in the future? I am confused. I m sorry to hear about your boyfriends life. Thank you for telling me I m in my sixties I had a car that I was paying for while in town (I m a disabled adult so that covers my vehicle for some of my living costs out in the country) and we have lived in NY for 20 years now and she had to be my girlfriend of 7 years (the one I had on my car was hers) and she s a long distance person which is weird. Not sure where he. renters insurance nyc quotes: All this auto insurance will be different than any other insurance you can own! I’ve never reviewed a quote for home vs auto insurance. In this case, my car insurance company is going to have a lot of problems making payments. If your policies pay out, your car insurance company can claim them as a profit on your auto insurance dollars. I have a cheap auto insurance, i know I can stay in the same car. It’s been a while since i’ve had one! Is home insurance more expensive on it? My rates are at a high point in the process, i paid for last year. I am not an attorney. Does a standard policy cost more than a standard policy? Does home insurance cover the building, house, belongings, apartment or rental walls? Hi, I live in Texas with my wife and my daughter. My daughters car I am about to get, I live in NY with my husband. I know I can stay away at a few.

Who needs renters insurance?

Who needs renters insurance? Does it really matter whether you’re renting for work, hunting, college or a vacation? Here are the steps that rental insurance companies and homeowners should take — plus, check out what you should watch for when it comes to renters insurance: •   If you’re shopping for renters insurance, here are the steps for in all the various states (you’ll notice that California has more restrictions): • Ask your insurance agent to ask you about renters insurance or homeowners insurance separately. • Ask for assistance from during the application process. • Ask for additional information you need about your personal or business information (like for car rental agreements, car rental agreement information, etc.) • Compare all renters insurance companies’ offers and see their best rates. Renters insurance isn’t just one of those things. Renters insurance is a type of home insurance that protects against damage and loss. Renters’ coverage is typically called “rideshare insurance or” for.

How to compare renters insurance

How to compare renters insurance quotes? If you have multiple renters insurance quotes, you have different scenarios. If you have renters insurance but were not able to get one before, we are here to help you. To compare home insurance quotes, use the tool above to get started. This is a video from our own Adam Smith: **This is from an insurance expert”. I am a non-standard insurance company, but there is a lot to consider when looking through renters insurance. Is renters insurance required to file a mortgage? There are a number of differences in coverage and rates for renters insurance. We offer coverage through many insurance companies, and we do not insure any one person’s house. What does renters insurance cover? Renters insurance is the best way to protect your investment. It does not cover your valuables and can be a huge waste of money if something happens. There are a lot of reasons that renters insurance can help you avoid serious bills when your things are stolen, burnt or damaged. It.

Common questions about renters insurance

Common questions about renters insurance, and how to protect you, are: Renters insurance protects you against any financial liability or loss that comes with owning a home, condo, or rental apartment in the United States. If you live in a state that does not have an insurance requirement, your landlord could consider you a high-risk tenant and refuse to sell you a policy to protect your investment.  The only guarantee, or at least an example of why your homeowners policy might not cover all the housing and possessions in your own home, is that you may be covered under a homeowners’ policy, which might be an option if the situation is not ideal.  The fact is that even if your mortgage lender (a mortgagee) allows your homeowners insurance to exclude liability for other renters, or you cannot afford to, you will need coverage from your home, then that’s fine as long as your policy has renters policies as well.  However, you should also contact your insurance agent if your landlord has renters insurance already.

Picking the best renters insurance policy: 5 common scenarios

Picking the best renters insurance policy: 5 common scenarios we re able to insure. These are all great resources for information like the type and amount of renters insurance and your overall situation. A common feature of insurance is the premium costs. The monthly premiums for renters insurance for your landlord and/or landlord are the same as for the home. For example, if your renters policy includes a $10 to $20 policy for their rental, your premium $10 to $20 would only apply to their policy and not yours. The deductible is the amount you ve agreed to in advance on a monthly payment (e.g. $0 to $10/month). These can be used as a budget to pay for a rental. You can choose a higher limit. Typically, the cheaper the rental insurance is, the more of your possessions you own. You can have a policy with a higher deductible (and possibly higher premiums) as an add-on. For instance, you can have the liability coverage set as a 30/60 liability insurance policy. Your.

NerdWallet’s best renters insurance companies of 2020

NerdWallet’s best renters insurance companies of 2020: State Farm, Allstate, State Farm Bankers Blue and Liberty Mutual are the largest companies in the United States. They all hold some of the highest ratings in the renters insurance industry. The short answer, for me, is yes. So what companies offer renters insurance coverage and which ones have the highest ratings? Check out the chart below. Of the largest insurers, five are rated very highly. With our ratings, Allstate is the largest insurer in the United States and is ranked as #1. The best renters insurance companies include State Farm, Allstate and Liberty Mutual. The small companies have their own unique policies, but these can protect you from higher than average liability needs and losses. Let us review a sample quote for this scenario and see what you’ll save if you combine renters insurance with Farmers®… By making this post an individual policy, your name will not be a listed item on an auto insurance quote or auto deposit. As a renter, you’re a.

New York City’s Trusted Source for Renters Insurance for Over 50 Years

New York City’s Trusted Source for Renters Insurance for Over 50 Years has their own policy for renters insurance from the same company. What is this? Is this what the insurance company will cover??? Does it cover renters liability insurance from the insurance company? If so, do you need renters insurance? How can I protect the property on which I live? Renters insurance companies want to see your home has a foundation to protect it from damage caused by a covered peril. To provide you with this foundation, be sure to have renters insurance. There are some of the biggest people who are a tenant in the world and they all worry about their personal belongings to protect their families while they are still living outside their home. This includes the occupants of their homes and personal belongings such as computer equipment. The owner owns or is the person in charge of the personal belongings including furniture. It includes most personal property including mobile homes and furniture as well as family members who are often living outside their home. Many renters insurance policies do not include the above liability insurance if you have renters insurance. This.

More questions about renters insurance? We have Answers

More questions about renters insurance? We have Answers to those questions below. All state law requires renters insurance is to cover all your valuables. If you’re renting a home for rent for the first time, the rental agency can’t refuse to make a rental car payment. Once you have insurance to protect your personal possessions, this applies. If your personal belongings are stolen, such as a digital camera you found on a shelf, you’ll have to bring them to the rental car agency to make a claim. You can in the state on Airbnb, so if you’re renting a home, we’ll recommend you check before you cancel to confirm. Airbnb hosts with a valid home insurance policy can be reimbursed for hotel and meal expenses up to their policy’s limit, or can they choose a new insurance plan? If the Airbnb has a rental car, the owner (or sometimes the landlord) must provide evidence that the vehicle is owned by the landlord and has insurance to protect.

Renters insurance covers your belongings and more

Renters insurance covers your belongings and more. A basic policy covers you, your family and your pets for the same reason. The policy has five deductible options. Most renters insurance has coverage for the following: Liability insurance has to be a must-have for all renters policies: If the damage is of an illegal cause and you are responsible to cover the costs, renters insurance reimburses you to cover the costs if your renters claim exceeds your coverage limits. If the policyholder s household is in an uncontrolled disaster (no fires, hail, explosions, hail, snow, or other types of destruction), the policyholder can contact the . A policyholder can then file a lawsuit to recover damages and expenses even if you are involved in the accident. In certain cases, you may be able to sue the policyholder and his/her insurer, who do not have the legal ability to handle claims. A lawsuit typically carries a court judgment of about $40,000 per incident, or about $70,000. If the.

Why Do I Need Renters Insurance?

Why Do I Need Renters Insurance? If you know your car insurance policy has renters insurance in place, you won’t know if you’re covered as a rental home or you’ll be able to rent. You know, like you. Can I Bring Evidence Of Insurance? The landlord may have required you to sign an affidavit of renters coverage in advance. In short, here is the affidavit of liability coverage in writing so that the landlord doesn’t need to tell you to look at a report to see if the coverage is sufficient. What is Coverage on your Property, Property & Casualty Insurance Terms? Your renters insurance coverage will cover what is covered on your property. For example if you have a condo and the landlord had you listed on your renters insurance policy, it would have a separate policy for the same but will have a separate policy so that you’ll have the same coverage for both. What is Coverage? Your renters insurance policy’s coverage protects.

Doesn’t The Owner Insure The Building?

Doesn’t The Owner Insure The Building? Yes, the owners want to provide evidence of financial responsibility to the building owner. In the case of a fire or other damage that is caused by a fire, the owner will want to submit all the necessary documentation and files to the property insurance provider to prove who is at fault. If these things are not submitted then it is not insurable as a fault situation. You will want to make all these necessary documentation available to the Owner Insured by any reasonable procedures that you can to make sure that you get the proper coverage, and your own needs are protected. If you need help understanding how to determine what’s right for each area of a fire policy, use our insurance guide article to find an experienced insurance agent who can help you determine which coverage and type of policy is right for your apartment or rental property. The.

home sharing insurance

BEST ANSWER: Try this site where you can compare quotes from different companies :4carinsurance.xyz

home sharing insurance

home sharing insurance, like auto, renters, car, boat, RV, and boat rental. Also, with AAA Insurance Agency you ll find the right homeowners insurance, auto insurance, boat insurance, homeowners insurance and more at the right price. When purchasing a policy, get multiple quotes from different providers and choose the one that best suits your needs. The average monthly cost of homeowners insurance in Denton, Texas is $98. Your home insurance may cost lower than the average.  The Denton, Texas homeowners insurance plan with AAA could save you even more money. Compare rates from the best homeowners insurance companies for your area. AAA provides personal auto insurance. This coverage type pays out if you are at fault in an accident and can be valuable during unexpected situations. It’s also available for renters insurance, homeowners insurance, condo insurance, and life insurance. The best Denton, Texas homeowners insurance for your business comes from AAA. Each AAA policy comes with discounts for safe homes and security systems and many add. home sharing insurance is the best choice because it has many of the same coverage options as a traditional auto insurance, and it covers your household pets instead of house pets.  A standard renters insurance policy will not cover liability or medical expenses incurred by your pet or household pets, or your own property damage. If you have a new owner or you’re thinking of starting a family, renters insurance helps cover financial costs for a future spouse or teen.  If you move out of state, you will have no change in personal property liability.  If you are purchasing a separate policy for another reason and the property damage limits are high enough, for example, the cost of replacement for all the belongings covered by your policy are very low. Renters insurance is available only in Hawaii; no other states will provide this coverage for that specific situation. Renters insurance policies are typically the best way to insure your personal collection, such as jewelry, clothing, furniture, furniture, and other valuables. With. home sharing insurance. But they don’t share the same data, and the premium isn’t quite as high as the cheapest company. However, the cost of individual insurance policies varies a lot in the big picture. So, where does this data come in? To determine the insurance cost of your premiums and the share of losses you might incur through the years you’ve been involved in a car accident, you should take into account the following. However, many factors do not have an influence on the cost of premiums. In general, health insurance policies are pricier. As a result, insurers have lower premiums. They may be able to provide higher or lower levels of premiums. What if you can’t get car insurance but were involved in an accident? What happens if you’ve recently had two or more car accidents in the past five years? If it’s not difficult to get vehicle insurance, can you get car insurance and what will the cost be? The big.

Insurance

Insurance (in the States) : Insurance provides security and protection for your investment decisions. However, no two policies are the same and vice versa. To help you decide which type of insurance policy fits your needs and your budget, we’ve listed a few some of our most common discounts. What is car insurance? What is car insurance? How much would it cost to insure a certain car? How and how much would it cost? Read on to learn about the difference between auto insurance and car insurance: What are the differences between car insurance and homeowner’s insurance? What is a deductible? What is the difference between car insurance in the UK? To start the argument, let’s go back to the basics, how do car insurance companies determine a deductible? Here’s as we’ve discussed. What’s the difference between car insurance in the UK? How do auto insurance companies determine a deductible? Let’s look at some common examples of.

Insurance Innovation for Home Sharing Platforms

Insurance Innovation for Home Sharing Platforms | This is an outline of coverage for personal property, personal liability and liability provisions of the Standard Property, Standard Life, and Standard Renewal. Coverage is provided through the association where you live and by any insurers offered by you. A standard home insurance policy can be issued by an agent or broker only, but it is not a formal policy issued by the insurance company with a standard home dwelling and is only required to be owned by you or your policyholder. For example: “Standard Protection, A and B and C of the Standard Property’s standard homeowners insurance. “Bearing in mind the policy for which you wish protection. If a covered loss occurs and due to natural hazards as described in the above description, the policy in force is subject to payment, and you are entitled to be covered on this property, however, it can be subject to payment only for the standard protection, A and B of a standard home insurance policy. If you will not be covered by your.

How Does Home Sharing Activity Affect My Homeowners Insurance?

How Does Home Sharing Activity Affect My Homeowners Insurance? There is nothing inherently magical about home sharing, but as a homeowner, many things are subject to the whims of some homeowners or an existing property policy. Some aspects of property ownership are regulated much more by insurance policies than others. The insurance industry uses all of these regulations to protect both the public and the insurance companies. The Insurance Industry is a Trade Organization. That protects the public from cheating their brokers. And since we already know that it is only likely that your home will have damage after a hurricane or major storm, this protection can come from your home insurance policy. Here are some ways that homeowners insurance in Florida is better protected if they carry homeowners’ insurance on a regular basis. You can use the “What is my insurance policy?” form on the insurance policy to know what you are covered for – whether or not you are covered for the first time for the type of property insurance you you’re considering. If you have a home, there are many.

Find the Right Home Sharing Insurance

Find the Right Home Sharing Insurance Agent in Los Angeles today. Home insurance rates depend on location, the number of homes in the area, and the insured value of the home. The most affordable, location-specific home insurer in Los Angeles is Nationwide Home New Home Ins. However, they may take a look at your ZIP code and average rates for the cheapest homeowners insurance rates in California (based on pricing data published by Consumer.com). To get a free house insurance quote to estimate you, check out the following: The cheapest homeowners insurance rates for renters and homeowners in Los Angeles. Below is the price for an average and yearly premium, for renters in Los Angeles. Here are the most common coverage options: The more information available on this site, the more accurate a quote would be, as each one may depend on your individual situation. Insurance companies have varying rates for their policies. If you are interested in an estimate of how much it cost, please call an auto insurance agent to talk with a licensed insurance agent in Los Angeles..

What is Host Insurance?

What is Host Insurance? Haven Insurance Services is an independent broker representing many of the best insurance carriers. The agents represent several carriers to provide the best package. Our agents are independent, independent, and knowledgeable to you. They are well versed in the policies you will receive. We always have an opportunity when there is a claim, or if something bad happens to your property we will be there or available to help. Our agents have experience with multiple car insurance companies so we can offer the best package for you, even if you are not an expert on how to insure your vehicle. They have even been featured as The Best Lawyers in the States Our agents offer our customers an easy process as they can easily purchase and save all of their quotes on their own online. We can also help you compare car insurance quotes so that you find the best coverage and rate for the amount of coverage you need. The process of getting insurance through a company is as easy as calling. With a quick call and some good advice,.

Short-term rental insurance. For hosts on sites like Airbnb. Pay only when you have guests.

Short-term rental insurance. For hosts on sites like Airbnb. Pay only when you have guests. No insurance for travel from outside of the USA. Call our support team at : for more information and guidance on insurance. We work with lots of insurance companies so please check with many of them. For most of the U.S. there are rental companies that provide . You may be able to avoid the need to worry about what the average American eats like while traveling abroad, but this is just not the case after looking at rental insurance companies. Our rental insurance can help you get all the insurance you need to protect you, your property, and people in your car. It’s not just for U.S. travelers. We offer insurance packages over 30 days so you still are prepared when travel time. If it doesn’t work out that way, we’ll always work with you to help you find the right insurance option for the best price on the coverage you need for the long run. That’s why we’.

Founder Shield Host Insurance Package

Founder Shield Host Insurance Package Company/Co-POP Insurance, Inc (8) (4) A group plan benefits, which are issued by Life Insurance Company of the Southwest (10) (1) The insurer s insurance company, an owner, an authorized director, or an appointed representative for the purposes of obtaining insurance information (2) In a jurisdiction where a person has a valid insurance policy, the insurer must obtain and maintain a policy (together from all the carriers under the policy) for the purpose of making available the information to the appropriate service provider of an owner s rights to a policyholder s property or other personal property. A policy in effect, in effect, after the issuance of the policy and after notice or demand at the time of the death or cancellation of an owner s insurance coverage, may also include a provision or provision authorizing the insurer, a member of the insured s family, in the amount of 25% of the basis for the premium, to offer to provide.

What You Know About Airbnb Renters Insurance And What You Don’t Know About Airbnb Renters Insurance | airbnb renters insurance

If you have been renting a home and have received your AirBNB renters insurance and are wondering if the policy you have is adequate for you and your family's needs, there are several things to consider. This will help you make an informed decision about whether or not you want to continue with your AirBNB agreement and need additional coverage for your belongings and personal belongings.

While it is important that you know what to expect from your insurance policy, this does not mean that you should put all of your eggs in one basket when it comes to purchasing your AirBNB renters insurance. While you may be more than happy with the level of coverage you have with your current coverage, it may not be enough for some renters. If you want to ensure that your belongings are covered and protected against losses or damage that may occur while you are on the property, you should consider purchasing an additional renters insurance policy that offers additional benefits and coverage.

Some renters find that purchasing additional insurance coverage is an excellent way to protect their belongings and personal belongings when they are out on the property and are not able to protect them. If you are going to be away from your home while you are renting it through an online website, it is important that you have the security and peace of mind that comes from knowing that your personal belongings are safe and secure.

By purchasing additional renter's insurance, you can choose to purchase items that are covered by your existing policy at discounted rates. While some insurance companies offer discounts for purchasing your items through the company, other companies provide discounted rates for renters who are purchasing items from their own insurance policies.

While it is true that the amount of coverage that you have with your personal belongings is not enough to replace your entire house and property should any of them be lost or damaged, it is still important to be able to count on your belongings and the security of them. You can be sure that the company that insures your belongings will work to provide you with the protection and peace of mind that you are seeking when you are on the property. Since there are different policies available from different companies, it may be necessary to contact a variety of insurance companies before you can make the final decisions about which company to buy your AirBNB renters insurance policy through.

When you are looking for the type of policy you need to protect yourself and your belongings, make sure to contact a number of companies before you decide to purchase a new AirBNB renters insurance coverage for your home. When you are comfortable with the policies and services you understand exactly what you are purchasing, you will be able to easily find the coverage and benefits you need to ensure that you have adequate protection for your belongings and personal belongings.

Airbnb Insurance Provider [6]: Top 6 Options For Hosts (With – airbnb renters insurance | airbnb renters insurance

Airbnb and Insurance – How does homeowner’s insurance work with – airbnb renters insurance | airbnb renters insurance

Airbnb Liability Insurance – Everything You Need to Know – airbnb renters insurance | airbnb renters insurance

Short Term Rental Insurance for Airbnb Hosts, Homeowners, and Renters – airbnb renters insurance | airbnb renters insurance

Short Term Rental Insurance for Airbnb Hosts, Homeowners, and Renters – airbnb renters insurance | airbnb renters insurance

Short Term Rental Insurance for Airbnb Hosts, Homeowners, and Renters – airbnb renters insurance | airbnb renters insurance

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Airbnb Host Guarantee & insurance - peace of mind or empty promises?

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Sharing economy platforms are great on a good day, and continue to throw-up interesting possibilities. More generally, the sharing economy provokes us to think about different forms of resource-use and social organisation. Travelling, and hosting, differently - myself, family and friends have been hosted by wonderful people around the world on Airbnb - is just one example. But when it comes to the question of risk, liability and livelihoods in this context, platform guarantees and liability insurance offering ‘free peace of mind’ raise some troubling questions that I want to tackle head on.

The ‘guarantees’ & liability insurance provided by some sharing economy platforms, like Airbnb, have received mixed reviews. The purpose of this piece is to cut through the noise. And to present findings which show that free Platform Guarantees, and Platform Liability Insurance, may be inadequate forms of protection for you and your home.

Why does it matter?

According to Airbnb research, a huge percentage of people use Airbnb to help pay off their mortgage and 85% of Airbnb users rent their primary residence. Damages, liability and loss threaten host’s homes, and livelihoods.

Furthermore, through a steady stream of news articles, insurance peak body submissions, and forum posts from frustrated users, it’s become apparent that standard home and contents insurance won’t cover you for paid guest’s stays. And nor will most landlord insurance - since guest stays are often deemed too short, and you can’t get cover if you live in your property whilst renting.

Platform Guarantees appeared to bridge this cover-gap. But their ‘worry-free’ veneer hides imperfections that may cost you dearly. In fact, they’ve cost many hosts - who’ve taken to relabelling the so-called ‘peace of mind’ associated with such guarantees as (among other things): 'false sense of security', ‘false promise’, and ‘piece of your wallet’. Many have found the hard way that the worst time to learn of a Platform Guarantee’s limits are when it’s failed you, and you end up on the hook - be it for $700 or $10,000.

What are Platform Guarantees?

Platform Guarantees promise to reimburse eligible hosts for damages up to a certain amount. Most Platform Guarantees are free. A well-known example of a Platform Guarantee is Airbnb’s Airbnb's ‘Host Guarantee’.

Platform Liability Insurance is ‘actual insurance’, offering cover for some cases of liability for injury and property damage. Examples of platform liability insurance include HomeAway's ‘$1M Liability Insurance Policy', Airbnb's ‘Host Protection Insurance' and the VRBO (US) ‘$1M Liability Insurance'.

Many platforms - such as Stayz and TripAdvisor Rentals in Australia, and Vacasa, Innclusive, Kid & Coe, Aura Travel, and Housli in the US - offer no property guarantee or liability insurance at all. Many allow hosts to set security deposits, and others, like HomeAway (US) promote a Book with Confidence Guarantee (payment security) - but despite claiming to offer ‘peace of mind’ these features do not protect you for any property damage or personal liability. To its credit HomeAway does direct its hosts to buy an insurance product tailored to short-term renting needs, albeit from the supplier of their choice (CBIZ).

Three things Platform Guarantees are Not

Problems emerge once you consider the mix of provisos, exclusions, conditions, and other bits of fine print that constitute Platform Guarantees and how they work in practice. I’ve found they are inadequate in three crucial ways: legality, cover, and claims.

1. Platform Guarantees are Not Insurance

The Airbnb Host Guarantee, for instance, “is not an insurance policy”. That’s taken straight from the Terms and Conditions.

Why does this matter?

Under Platform Guarantees you have no policy rights and no recourse. Because you don’t pay for the policy, and you’re not named as an insured on the policy, the platform’s word is final. If they decide not to provide compensation and close the case, there’s very little you can do about it. Furthermore, if you can’t resolve a dispute with Airbnb, you’re unable to take legal action against them, and there is a gagging clause in their terms that means you’re prevented from discussing details of your case elsewhere.

As such, it’s also explicit that such Platform Guarantees are not the same as homeowners & renters, or landlords insurance, and shouldn’t be considered a replacement or stand-in for them. Furthermore, hosting through a share economy platform may well simultaneously invalidate your homeowners insurance, meaning you will personally have to cover any gaps left by the guarantee.

2. Platform Guarantees are Not Comprehensive

So-called Airbnb ‘horror stories’ - drug-fuelled orgies, a much publicised death of a man in Texas, and NYE disasters around the globe - make the headlines. But what’s often left-out of these sensational reports are the stories of regular hosts, hosting regular guests, who aren’t covered for more modest damages or instances of liability, which are far more common.

Platform Guarantees generally don’t cover:

Shared or common areas (or any strata property damage)

Airbnb's Host Guarantee for example, only covers your listed space (for example, the private room or apartment you’re renting), and won’t cover damage outside that (for example to any common areas or shared property & infrastructure, such as a plumbing or electrical system that is linked to other residences). Further, the guarantee only covers “direct physical loss”, meaning that if a guest causes a fire which not only destroys the host’s apartment, but also damages or destroys a good part of the apartment building, the host wouldn’t be covered under the guarantee for the damage to the building.

Bottom line - if you live in an apartment building, you’re probably not covered!

Pets - be that any pet you own, or any pets your guests bring with them

If for example an incident occurred where your treasured dog or cat was injured while you had guests staying, your pet wouldn’t be covered! Furthermore, if guests bring pets with them and incur damages - whether you have a ‘No Pets’ policy or not - as happened to one unfortunate host whose guests brought three dogs and caused significant damages - you as a host are not covered!

Cash and Securities

If you use cash, or have a laptop, or any other belongings that are valuable to you (just might apply to quite a few of us), you probably aren’t covered!

Vehicles

If you have a car, boat, or other kind of ‘mobile’, you probably aren’t covered!

Any type of malicious damage (including assault)

Sadly this one isn’t an ‘if’ - violent acts do happen, both to property and people - and you probably aren’t covered!

Theft (including identification theft)

Again, sadly this one isn’t an ‘if’ - theft happens all the time, including identity theft. And with a platform guarantee you probably aren’t covered!

Platform Guarantees also tend to only provide limited coverage for things like jewellery, collectibles, and artworks.

Platform Liability Insurances also have important omissions, limitations, and grey-areas, for instance those of Airbnb's ‘Host Protection Insurance’:

Doesn’t cover:

slander or libel (which fall under the ‘Personal & Advertising Injury’ exclusion)

any of the personal property of the host

any collisions involving vehicles

anything intentional - including arson, and acts against hosts (or guests) such as assault and battery, and sexual abuse or molestation

loss of rental earnings

For what it does cover, the maximum insured is $1,000,000:

This is a relatively low-rate of liability cover. In instances of liability claims where loss-of-life or serious injury occurs, and hospital, legal and other reparations fees have to be taken into account, the sums required are large, especially if you haves more than one guest staying. Most dedicated short-term rental insurance products offer at least $10,000,00 in public liability cover.

Finally it’s  - not easy to get a copy of the actual policy or terms and conditions:

You have to request one from Airbnb. And by now you should know that you can’t be sure what your rights and responsibilities are under any coverage without having read through (all) the T&Cs.

3. Platform Guarantees are Not Easy To Claim

Even if your loss is covered under a Platform Guarantee’s terms, protection is far from assured.

The primary reason for this - as in the case of any attempt made by a host to win a claim under Airbnb’s Host Guarantee, for example - is the conflict between host and guest that is engendered by the claims process. Despite doing everything in your power as a host - providing documentation and following all correspondence procedures - you still need the your guest to admit to causing the (full value of) damages (as the only way, short of installing cameras inside your home, to prove that incurred losses were caused by an Airbnb guest). If the guest declines, chances are there’ll be no reimbursement.

Extensive evidence exists to suggest Host Guarantee claims processes often involve hosts being played off against guests, forcing a part-resolution between the two parties in order to deny a claim, and leaving hosts stranded if a guest denies damaging the property.

To return to the hypothetical of a fire in your apartment building as discussed above, you have to ask yourself - how many guests would admit responsibility for causing such damage, knowing that they would be personally liable? Denying seems like a pretty rational, and perhaps necessary, response. The problem is that under a Platform Guarantee, the host could be on the hook instead.

Claiming a Platform Guarantee appears to be so tricky that people have gone to the trouble of creating step-by-step walkthroughs for how to navigate process. Here I’ll only summarise the key shortcomings of the Airbnb Host Guarantee claims process:

1. You must attempt, before anything else, and using your own time and financial resources (to the extent that the platform deems satisfactory!), to resolve the loss or damage directly with the guest. And if Airbnb deems you have done everything possible and this fails, you must then seek reimbursement through your homeowner’s insurance

If at all, the guarantee is only accessible after appeals to the guest, your security deposit and existing homeowners insurance have been exhausted. The fact that you must, on your own time and dollar, exhaust a whole range of other avenues before a platform will even consider paying your claim, lends credence to the idea that such guarantees are a last-resort, and should not be depended upon. And while Airbnb have made verbal assurances that they frequently provide compensation under the Host Guarantee, anecdotal stories from frustrated Airbnb hosts and the opinions of insurance professionals, suggest otherwise.

2. You are constrained by the rigid, technical & time-pressured procedures

For instance, if you fail to (correctly) report the damage before your next guest arrives - even if they arrive that same day - or within 14 days, whichever is earlier, the Guarantee is void. Is it feasible, or even possible, to have a tradesman come in and provide an estimated cost of repair or obtain a police report before your next guest check-in, which may be in 4 hours? And what about delays that are beyond your control - such as awaiting replies from your guest or home & contents insurer (both of whom you have to correspond with in order to be eligible for any compensation under a guarantee), or from the platform themselves (as has frequently happened to claimants)? So, it’s not just the deadline for claim submission, and the extensive (and often irretrievable) documentation required, but mini-deadlines within the process - another being the expectation that you respond within 48 hours every single time you receive correspondence from Airbnb, lest your case be closed.

3. You must have informed your guest explicitly, in-writing, that they are responsible for the losses covered by the Host Guarantee in order to be eligible to claim.

4. If (luckily) you are covered for an instance of damage, and by a small miracle your claim is approved, the property loss will be valued at 'actual cash value’, rather than replacement cost value. This means it’s likely you won’t actually be able to replace damaged or lost property, particularly if it wasn’t produced super-recently. Meaning claim payouts are often unsatisfactory.

5. If you change your property ‘materially’ at any time you may not be guaranteed for anything at all. This is the Airbnb Host Guarantee’s exoneration clause - it means that if they deem your property has ‘changed materially’, grounds exist for them to not reward any claims.

6. Problems claiming through the Trust and Safety department, and issues with communications falling between or disappearing among other service teams, can lead to frustrating delays and uncertainty.

Zacharias from Las Vegas writes in a discussion about security deposits on Airbnb’s own Community Forum that “Airbnb seems to fight tooth and nail not to pay a host out”. This echoes the feelings of other frustrated users towards the Host Guarantee. But I can’t help feeling this isn’t just a matter of Airbnb being unfair on a case-by-case basis, but that it reflects a fundamental commercial problem with the ‘free peace of mind’ cover on offer. I think that host and Quora user Ryan is pointing in the right direction when he says “You get what you pay for, which is basically nothing”.

The fact is, providing quality, primary coverage for the burgeoning universe of Airbnb hosts - there are over 115,000 listings in Australia alone, and 4 million+ worldwide - just may not be feasible without a premiums pool to play claims from, which Airbnb’s free ‘peace of mind’ arrangement doesn’t provide. Unless, of course, they’re able to sustain the pretence of coverage by putting the onus on guests to reimburse, having notoriously low payout rates, and a minimalist approach towards resourcing claims. This analysis would go a long way toward explaining how it is Airbnb are able to ‘give’, freely, both the Host Guarantee and Host Protection Insurance. Dennis Schaal of tnooz writes, “The financial burden wouldn’t be great if claims are rarely paid out, goes the thinking”.

The history of platform guarantee claim outcomes supports this line of thinking - one thing is clear from users’ feedback - things consistently aren't getting covered. The vast majority of unpaid damages are ‘small’ - $118 for bedding, $299 (from a Superhost mind you), or $700 for cleaning and countertop repairs (I’m stretching the definition of ‘small’ in this case). But the fact is that most incidents are relatively ‘small’ - breakages, thefts - so when these aren’t getting covered en-masse, that’s important. And it certainly matters to individual hosts caught in these sticky (often literally) situations. And of course there are instances where worse things happen - Kristen had $3,000 worth of her belongings stolen (and was reimbursed only $300), and Amanda who had to foot a $US10,000 bill after a guest misused her toilet and caused damage to other apartments in her complex (she was reimbursed just $US78 - the plumber’s fee). Hosts themselves are consistently footing bill where Platform Guarantees & Liability Insurance fall short.

And this issue is by no means exclusive to Airbnb - similar insurance issues exist with other short-term property and room rental sites. A common learning from all these stories is the need to understand the fine print. In fact that’s the purpose of this piece - to make it clear what the fine print actually means when it comes to platform guarantees. And for most reasonable people, they’ve found it certainly doesn’t mean ‘peace of mind’.

And the fact is, there’s much more detail that could be gone into - other cases, clauses, conditions, standards, expectations - and that’s kind of the problem. Free Platform Guarantees & Liability Insurance just aren’t worth the risk. Well, they’re technically worth nothing at all - but that’s besides the point.

So what can you do, now, as a host? Three Options

1. Keep doing what you’re doing

Keep doing what you’re doing but be really, really careful.

Follow host safety tips - like “interact smartly”...

Create a security deposit to improve your chances of reimbursement for the small things - but it’s worth noting that Airbnb hold your property damage security deposit themselves, making reimbursement subject to their approval and begging the question of whether it can really be called a security deposit at all. Further, a guest posting on AirHostsForum relayed an instance where he received $80 from his $320 claim, despite having a security deposit for $200. Airbnb said that since the claim was beyond the value of the security deposit, his cover was automatically moved under the Host Guarantee, leading him to suggest increasing one’s security deposit and never bothering to claim more than that that (“unless you want to get shafted”).

Outcome: remain exposed to the same risks for which you do not have cover.

2. Don’t rent your place on a short-term basis through a sharing economy platform

Outcome: remove the risks associated with renting short-term, but also forfeit the income you could gain from doing so.

3. Don’t assume that a platform guarantee will provide you with any protection.

Also take Campbell Fuller's advice, as spokesperson for the Insurance Council of Australia: "Don't assume that your home and contents policies will cover you”. And he adds, "You may need to consider a more appropriate form of policy".

If you want protection for shared or common areas in your building, for your cash and belongings, for your pets, for malicious damage done to you or your home, or for theft. If you want protection from personal liability claims resulting from intentional acts or that reach over $1,000,000. If you want cover from loss of rental income. And if you want protection from a consistently slow, painful and poor-yielding claims process.

Then one available solution is short-term rental insurance, which is more likely to pay off on a rainy day. To be fair, Airbnb and other platforms with guarantees even recommend it themselves! Airbnb even explicitly state of their Host Guarantee - “you should avail yourself of other cover options before trying to use this product.” This echoes the advice of lawyer George Newhouse, who urged Australian hosts not to rely on the host guarantee, as it is not a substitute for insurance cover.

Short-term rental insurers are popping up all over the globe. Internationally, to name but a few, you have Home Protect (UK), CoverBuilder Host Insurance (UK), Inlet (UK) & Slice (US). People have already compiled lists of short-term rental insurers in Australia, but I’ve mentioned some key players below with a couple of key features mentioned:

Rentcover by EBM - will only cover if host does not live on premises

ShareCover by IAG - host can live on premises, pay per night

Hostrite by Ceneta - host can live on premises

Holiday Rentals Insurance by BJS - host can live on premises, doesn’t cover rent loss

Outcome: a little peace of mind, maybe.

This post has also been published on:

Quora - "Airbnb Host Guarantee & insurance - peace of mind or empty promises?"

Medium - "Airbnb Host Guarantee & insurance - peace of mind or empty promises?"

LinkedIn - “Airbnb Host Guarantee & insurance - peace of mind or empty promises?”

Disclaimer: This post does not constitute financial, legal or insurance advice. Dollar figures reference both US and Australian dollars

Short term rental insurance: Ironclad your home with 3 layers of protection

The key is to layer protection with different short term rental insurances. Replying on just one of these layers might not be enough in term of amount of coverage and might not cover different types of losses.

1. Platform Insurances

Airbnb insurance If you rent on Airbnb, there 2 different types of airbnb insurance for host that you can tap into. Airbnb host guarantee

Airbnb host guarantee is a airbnb insurance policy available to airbnb hosts that cover damages done by guests. There is strict timeline and process you need to go through with airbnb to file a claim. This will be the first thing you would tap if there is damage or theft. What does airbnb insurance cover? Damage to a host’s property (home, unit, rooms, possessions)Every Airbnb listing in every country Payments made through the Host Guarantee are subject to airbnb Host Guarantee Terms and Conditions. If damages occur, documentation (photos, receipts, etc.) will need to be provided as part of the resolution process. Please review the Host Guarantee Terms and Conditions for applicable conditions, limitations, and exclusions. What’s not protected? Personal injury and property damage claims from third parties (those are protected by airbnb Host Protection Insurance)Damage to shared or common areas of the building that aren’t part of the listing itselfCash and securitiesDamage caused by a petDamage from ordinary wear and tear Certain items, including but not limited to: artwork; antiques items, including furniture and jewelry; valuable rugs, collectibles; and other items may have more limited protections under the Host Guarantee. Airbnb insurance policy: host protection insurance

Airbnb host protection insurance is a separate program from airbnb host guarantee. It provides primary coverage for Airbnb hosts and landlords (when landlords are named in a lawsuit), worldwide.  What does airbnb insurance cover? The airbnb insurance policy covers certain property damage in common areas of a property outside of the listing itself (for example: a building lobby). Landlords and homeowner associations are also covered in certain cases when claims are filed against them due to a guest suffering an injury during a stay or if a guest damages building property. What’s not covered? The Host Protection Insurance program is limited to certain types of liability. Examples of what’s not covered include, but are not limited to: Property damage due to things like pollution or moldDamage or injury from something done intentionally (not an accident)Loss of earnings For more information about what their Host Protection Insurance covers and doesn’t cover, visit airbnb Help Center. You can also download a comprehensive program summary. Vrbo insurance: if you rent on VRBO/Homeaway If you list on VRBO, see VRBO's damage claim process here. You can use these 3 tactics: VRBO damage deposit Surprisingly VRBO damage deposit can add protection to your home. On VRBO, damage deposit works very different from Airbnb security deposit. Read more. CSA property damage protection - vrbo insurance policy What is vrbo property damage protection insurance? Vrbo property damage protection insurance provides homeowners with coverage for damage that could occur to a rental property during a guest stay. Your guest or you must purchase damage protection at least 24 hours before check-in. Read more. Policy options $59 for $1500 of coverage$79 for $3000 of coverage$99 for $5000 of coverage VRBO liability insurance

What is the $1M Liability Insurance? $1M Liability Insurance provides owners and property managers with liability protection; giving owners $1,000,000 in primary liability coverage no matter what other short term rental insurance you currently have. How you're protected: Traveler injury claims made against you - If a traveler is accidentally injured while staying in your vacation rental property, this program may provide coverage for claims made against you. Property damage claims made against you - If a traveler accidentally damages the property of a third party (such as a neighbor) while staying in your rental property that third party may sue you for that damage, this program may provide coverage for these types of claims. Note - $1M Liability Insurance does not cover damage caused by a traveler to your own property. How it works: Up to $1 million in coverage - Eligible claims handled under this program are subject to a maximum limit of $1 million USD in coverage per property, per year. Primary coverage for eligible claims - If you don’t have liability insurance for your rental, this program provides that protection. If you do have liability insurance for your rental, this program works with your current provider and gives you $1,000,000 in added protection. Liability protection for vacation rentals - Typical homeowners policies may not provide liability protection when your property is used as a vacation rental. Global reach - This program provides protection worldwide where VRBO operates. If you have further questions about coverage and claims, please view the policy summary.

2. Short term rental insurance

https://www.youtube.com/watch?v=mIcp2DfVtyw Why platform policies aren’t enough If you book your property through platforms like Airbnb, you are entitled to some automatic protection such as the airbnb insurance policy above, both programs are not as inclusive as a short term rental insurance policy. Usually platform policies don't cover things like loss of income or environmental factors such as mold. Is short term rental insurance expensive? Vacation homes are considered higher-risk properties for several reasons and, therefore, have higher rates. Risks include being vacant and subject to vandalism or burglary, tenants who don’t care for the property leading to a major loss, or tenant claims of injury or property damage. Vacation properties rented out are considered business issues and thus have a higher risk in general. Even though it usually more expensive than a typical homeowner insurance, it is a cost of doing business and is usually covered by your higher rental income from short term rental.

What type of short term rental insurance do you need? There are different types of insurance such as homeowner insurance, landlord insurance, and renter insurance. Since you're doing short-term rental, regular homeowner insurance or landlord insurance might not cover your home. It's best to look for a short-term rental insurance policy from a reputable company that know how to deal with vacation properties. Common short term rental insurance coverages include

Loss of incomeExcess use of utilitiesInfestationLiquor liabilityIdentity theft Key factors that impact short term rental insurance costs Location: ex: flood zoneType of propertyAmenities Ways to save on short term rental insurance Choose a location with less riskBundle your policies - to get discountsInstall an alarm system - the more secure your home is, the lower your premium will be amzn_assoc_placement = "adunit0"; amzn_assoc_tracking_id = "hilivingbnb-20"; amzn_assoc_ad_mode = "search"; amzn_assoc_ad_type = "smart"; amzn_assoc_marketplace = "amazon"; amzn_assoc_region = "US"; amzn_assoc_default_search_phrase = "security alarm system"; amzn_assoc_default_category = "All"; amzn_assoc_linkid = "3e7f39ee854dc5d2fd66506a9a6e223e"; amzn_assoc_design = "in_content"; amzn_assoc_title = "Security alarm system"; Your home insurance might already cover short term rental. Call your insurance company to see what is covered. Some home insurance policies cover short-term rentals. Major companies offering short term rental insurance include ProviderBest ForNationwide InsuranceCondo owners with master association policies but who need specific loss assessment coverageAllstate InsuranceHomeowners using and rent the property seeking to have a homeowners endorsementFarmers InsuranceBeach rentals in frequent hurricane and flooding communities where policies are hard to getForemost InsuranceProperty owner seeking a customized policy with an agreed upon loss settlement provision to save on cost.Proper InsuranceShort-term vacation rental property managers with over 10 different bookings each year Proper Insurance is a popular choice for short term rental insurance since the policy is written for this purpose. https://www.youtube.com/watch?v=AdcXMmGsOFQ&feature=youtu.be

Steps to insure your vacation rental home Create a home inventoryTake photos of all furnitures, appliances, etc.Record the basics: cost, date of purchase, serial numbers, etc.Don't forget off-site items - ex: beach gears you provide for guests that are stored outsideKeep proof of value - keep receipts, purchase contracts, and appraisals with your listFigure out how much short term rental insurance you needShop aroundKeep all your documents together (policy, insurance agent contact, home inventory, proof of value, etc.)

3. Rental property reserve fund

Set aside funding for repairs and maintenance is a smart thing to do. You might also want to set aside 3-6 months of operating expenses to cover periods of downturn as a rental property reserve fund. Why do I need a rental property reserve fund? Homeowners and rental-arbitrage hosts are struggling these days with lockdowns and quarantine in many cities across the US and worldwide. Travel demand vanished overnight. Many are looking into forbearance just to make it for the next few months. If we all have 3-6 months worth of all expenses in the bank right now, it might save our businesses until the pandemic passes. When platform policies or your short term rental insurance don't cover or are not enough, having a reserve might help you stay in business. Never run out of cash is an important business rule. How much should I set aside as reserve? Calculate a minimum rental property reserve fund To calculate a small maintenance reserve for rental property (1-10 units), add up the following expenses for all of your properties: monthly mortgagestaxesinsurance premiumscondo feesoperating utilitiesother operating costs: supplies (condiments, etc.) and small wears and tears that you need to replace opten (linens, towels, etc.) Then, multiple it by three, and then cut the total in half to reveal your minimum rental property reserve fund. How much rental property reserve fund do I really need? The answer to this is how much money in the bank that you need to keep you sleep soundly at night. For each investor, depending on your risk tolerant, this amount will be different. But at least keep a minimum rental property reserve fund. How to build a rental property reserve fund?

Separate your bank accounts: each unit should have its own account, and more importantly they need to be separated from your personal spending account.Use accounting software or manually keep track of all your costs. Be fully aware of all the costs to operate your business so you don't underestimate your expenses.Build a realistic reserveFund your account - set a budget, set up automatic transfer. Remember to rebuild Remember, the goal is to keep this minimum amount in your account at all times. If you pull from this savings, or go below this minimum threshold, be sure to rebuild it as fast as you can to maintenance reserve for rental property.

Conclusion

If you don’t choose to get vacation rental insurance coverage, you may be taking a big financial risk. Even though the cost of short term rental insurance is higher, it's still worth it to get the right policy to protect your hard earn investment. How will you keep your home safe from property damage by guests? Join the Airbnb community using this link and get $40 credit your first booking! These problems with airbnb worn you down? Why Not Listing Your Properties with HI LIVING Hospitality and let us do all the work for you? Check out our service: https://hilivingbnb.com/services/ We may earn compensation through affiliate links in this story. Read the full article

Another Troubling Courtroom Loss for Online Marketplaces–Massachusetts Port Authority v. Turo

Turo is a peer-to-peer marketplace for car rentals. “Colloquially put, Turo is the ‘Airbnb’ of private motor vehicles.” Though Turo doesn’t dictate where the buyer and seller exchange the car, Turo facilitates matches at airports, either by the seller leaving the car in the parking garage or doing curbside delivery. The operators of Boston’s Logan Airport don’t like this. Turo doesn’t pay the fees that other rental car companies pay, and Turo’s sellers can provide services that other rental car companies can’t (like curbside delivery). In this ruling, Logan Airport gets a preliminary injunction against Turo’s operations there.

Trespass

The court says that Turo’s sellers are trespassing on airport property:

By coming onto Logan’s premises and dropping off or picking up rental vehicles at the airport, including curbside at Logan terminals, RMG and the John Doe Defendants undoubtedly are entering onto Massport’s property without its consent. Even if RMG and the John Doe Defendants’ visits to Logan Airport are deemed to be reasonable in nature (i.e., limited to driving and parking on Logan’s roadways and parking lots for short periods of time), they still can be held liable for trespass

I’m not a real property expert, but I wonder if the legal analysis is so cut-and-dried. The airport is government property, and it is open to the public. Can an airport exclude activity simply by deeming it “without its consent”?

The court then says that Turo may be illegally aiding-and-abetting its sellers’ illegal trespass:

Turo’s own website, which unabashedly touts that hundreds of vehicles (including numerous RMG vehicles) are available for “Airport Pickup” at Logan, establishes Turo’s undeniable knowledge that RMG and other unidentified Turo hosts are regularly entering onto Massport’s property for the purpose of consummating rental transactions with Turo guests. By Turo’s own count, an average of at least ten such transactions happens at Logan each day. Turo also has known, since at least April 2016, that Massport regards each rental car pickup or drop-off at Logan Airport by a Turo host or guest to be an unauthorized violation of Massport’s rights as Logan’s “sole owner and operator.” Accordingly, the Court concludes, without difficulty, that Turo has been aware for several years that RMG and the John Doe Defendants have been committing trespass at Logan Airport.

Turo also participates in and assists RMG and the John Doe Defendants’ acts of trespass at Logan Airport by, among other things: providing the online platform that RMG and the John Doe Defendants utilize to facilitate rental transactions occurring at Logan; explicitly announcing on its online platform that vehicles are available for pickup at Logan; providing RMG and the John Doe Defendants with $1 million of liability insurance for rental vehicles occurring at Logan; and collecting payments from Turo guests for rentals occurring at Logan.

In other words, Turo acts like an online marketplace for matching buyers and sellers.

Section 230

We normally don’t see state law aiding-and-abetting claims against Internet services. Aiding-and-abetting pretty squarely tries to hold the defendant liable for third-party content/conduct, so Section 230 nominally preempts those claims. But when Turo invoked Section 230, it didn’t go well.

Turo’s assertion of immunity under the CDA is seriously flawed. Massport’s claims against Turo go beyond treating Turo as the “publisher or speaker” of information. The Court already has found that Turo actively participates in and substantially assists RMG and the John Doe Defendants’ acts of trespass at Logan Airport in a variety of material ways, including by accepting and processing payment for their associated car rental transactions. These undisputed facts establish that Turo is, in a very real sense, much more than a mere “publisher or speaker of information.” [cite to HomeAway]

As this ruling reminds us, online marketplaces may not be able to invoke Section 230 for booking transactions. If so, this opens up the door to unlimited liability for a panoply of state law claims we don’t normally see against Internet services–like aiding-and-abetting trespass to real property. I don’t see how online marketplaces can survive the tsunami of existing and to-be-enacted laws regulating booking transactions, one of the several reasons I remain bearish about the future of online marketplaces.

Case citation: Massachusetts Port Authority v. Turo, Inc., 2020 WL 1028822 (Mass. Superior Ct. Jan. 24, 2020). The complaint.

The post Another Troubling Courtroom Loss for Online Marketplaces–Massachusetts Port Authority v. Turo appeared first on Technology & Marketing Law Blog.

Another Troubling Courtroom Loss for Online Marketplaces–Massachusetts Port Authority v. Turo published first on https://immigrationlawyerfirm.weebly.com/

Another Troubling Courtroom Loss for Online Marketplaces–Massachusetts Port Authority v. Turo

Turo is a peer-to-peer marketplace for car rentals. “Colloquially put, Turo is the ‘Airbnb’ of private motor vehicles.” Though Turo doesn’t dictate where the buyer and seller exchange the car, Turo facilitates matches at airports, either by the seller leaving the car in the parking garage or doing curbside delivery. The operators of Boston’s Logan Airport don’t like this. Turo doesn’t pay the fees that other rental car companies pay, and Turo’s sellers can provide services that other rental car companies can’t (like curbside delivery). In this ruling, Logan Airport gets a preliminary injunction against Turo’s operations there.

Trespass

The court says that Turo’s sellers are trespassing on airport property:

By coming onto Logan’s premises and dropping off or picking up rental vehicles at the airport, including curbside at Logan terminals, RMG and the John Doe Defendants undoubtedly are entering onto Massport’s property without its consent. Even if RMG and the John Doe Defendants’ visits to Logan Airport are deemed to be reasonable in nature (i.e., limited to driving and parking on Logan’s roadways and parking lots for short periods of time), they still can be held liable for trespass

I’m not a real property expert, but I wonder if the legal analysis is so cut-and-dried. The airport is government property, and it is open to the public. Can an airport exclude activity simply by deeming it “without its consent”?

The court then says that Turo may be illegally aiding-and-abetting its sellers’ illegal trespass:

Turo’s own website, which unabashedly touts that hundreds of vehicles (including numerous RMG vehicles) are available for “Airport Pickup” at Logan, establishes Turo’s undeniable knowledge that RMG and other unidentified Turo hosts are regularly entering onto Massport’s property for the purpose of consummating rental transactions with Turo guests. By Turo’s own count, an average of at least ten such transactions happens at Logan each day. Turo also has known, since at least April 2016, that Massport regards each rental car pickup or drop-off at Logan Airport by a Turo host or guest to be an unauthorized violation of Massport’s rights as Logan’s “sole owner and operator.” Accordingly, the Court concludes, without difficulty, that Turo has been aware for several years that RMG and the John Doe Defendants have been committing trespass at Logan Airport.

Turo also participates in and assists RMG and the John Doe Defendants’ acts of trespass at Logan Airport by, among other things: providing the online platform that RMG and the John Doe Defendants utilize to facilitate rental transactions occurring at Logan; explicitly announcing on its online platform that vehicles are available for pickup at Logan; providing RMG and the John Doe Defendants with $1 million of liability insurance for rental vehicles occurring at Logan; and collecting payments from Turo guests for rentals occurring at Logan.

In other words, Turo acts like an online marketplace for matching buyers and sellers.

Section 230

We normally don’t see state law aiding-and-abetting claims against Internet services. Aiding-and-abetting pretty squarely tries to hold the defendant liable for third-party content/conduct, so Section 230 nominally preempts those claims. But when Turo invoked Section 230, it didn’t go well.

Turo’s assertion of immunity under the CDA is seriously flawed. Massport’s claims against Turo go beyond treating Turo as the “publisher or speaker” of information. The Court already has found that Turo actively participates in and substantially assists RMG and the John Doe Defendants’ acts of trespass at Logan Airport in a variety of material ways, including by accepting and processing payment for their associated car rental transactions. These undisputed facts establish that Turo is, in a very real sense, much more than a mere “publisher or speaker of information.” [cite to HomeAway]

As this ruling reminds us, online marketplaces may not be able to invoke Section 230 for booking transactions. If so, this opens up the door to unlimited liability for a panoply of state law claims we don’t normally see against Internet services–like aiding-and-abetting trespass to real property. I don’t see how online marketplaces can survive the tsunami of existing and to-be-enacted laws regulating booking transactions, one of the several reasons I remain bearish about the future of online marketplaces.

Case citation: Massachusetts Port Authority v. Turo, Inc., 2020 WL 1028822 (Mass. Superior Ct. Jan. 24, 2020). The complaint.

The post Another Troubling Courtroom Loss for Online Marketplaces–Massachusetts Port Authority v. Turo appeared first on Technology & Marketing Law Blog.

Another Troubling Courtroom Loss for Online Marketplaces–Massachusetts Port Authority v. Turo published first on https://immigrationlawyerto.weebly.com/

Collaborative Participation– The New Business Module.

UBER, AIRBNB, AMAZON, ALIBABA…

It is the age of disruptive innovation and the world belongs to the backpackers and the minimalist. But tread with caution if you have penchant for the old world order of security, loyalty and ownership; for, these are ‘Friends with benefits without liability’.

Riding the wave of technological innovation, the world - a global village, has adapted to the new business module, learnt from Facebook and Youtube – the art of collaboration and expression, to provide a platform for consumers and service providers to interact and seek each other’s assistance; making, in the bargain, a hefty sum for themselves.

Uber’s marketing strategy, which also touches a chord with the social responsibility – of providing services to those in need anytime…anywhere, has worked wonders for not just the company itself, but has also broken the age old class division of haves and the have not’s – thus disrupting the psyche of the consumer who might have otherwise, felt handicapped without a car. More importantly, this is the only industry that empowers the consumers by giving them the voting rights, by rating the services – good experiences not only win referral recommendations, but also good ratings.  

Thus, the new business module for the new age is not so much in ownership than in the collaborative participation. In my conversation with some of the active participants, the voice of enthusiasm was strongly supportive of this module. “Where renting, hiring or leasing was cumbersome, fraught with anxiety as one had to go through legal paperwork to ensure safety of one’s property, Airbnb has made it easier for us to lease the accommodation. We need not go through the hassle of checking the background and what is better is that the house does not remain empty for long because there is always someone seeking accommodation.” Besides providing a steady income to many, these portal have also brought in the dignity and security that this industry lacked in the past.

One of the arguments against this gig economy is that these are friend with benefits without liabilities. Besides, thrusting more and more people into the informal contract, it robs them of the status and the benefits of ‘employee’ – thus depriving them of the ‘employee benefits’ of provident funds, gratuity, medical insurance etc. given to the employees in formal sector.

With the recent verdict by the employment tribunal in London, which had rejected Uber’s claims that its participants (drivers) were self-employed, the whole idea of collaborative partnership is refuted and lost. It is almost saying that content writers on Youtube or even Facebook participants are their employees. It is the age of disruptive business module, with no place for the age old hire and fire mindset.

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