{"id":20053,"date":"2018-01-30T01:00:37","date_gmt":"2018-01-29T14:00:37","guid":{"rendered":"https:\/\/www.realestatetalk.com.au\/?p=20053"},"modified":"2018-01-30T01:00:37","modified_gmt":"2018-01-29T14:00:37","slug":"what-are-your-tenants-reall-up-to-mitch-sweeney","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/what-are-your-tenants-reall-up-to-mitch-sweeney\/","title":{"rendered":"What are your tenants really up to? \u2013 Mitch Sweeney"},"content":{"rendered":"

Toilet blockages, carpet burns and broken bed legs are just some of the accidents hitting holiday rental property owners and it is on the rise as a result of an increase in the number of people who rent their property out on Airbnb.\u00a0 Mitch Sweeney<\/strong> explains the potential risks involved.
\nTranscript:\u00a0<\/strong>
\nKevin:<\/strong>\u00a0 As the sharing accommodation market grows with things like Airbnb, we\u2019re finding out more and more what tenants are doing, what damage there could be. I wonder if you know, as a property owner or as an investor, exactly what\u2019s happening in your place. Maybe you don\u2019t want to know.
\nThere\u2019s an interesting survey amongst a number of people \u2013 about a thousand people, I believe \u2013 that was carried out by Share Cover into exactly what does happen in some of these accommodation houses. Joining me to talk about this from ShareCover, Mitch Sweeney.
\nMitch, you did this survey amongst a thousand people. Were they all tenants?
\nMitch:<\/strong>\u00a0 Hi, Kevin. Thanks for having me. No, they weren\u2019t all tenants. It was a survey of a thousand people that was nationwide. It was selected from just a random group, so no, it wasn\u2019t all tenants.
\nKevin:<\/strong>\u00a0 What was the bottom line? What did you find out, maybe some things that you didn\u2019t know?
\nMitch:<\/strong>\u00a0 Yes and no. The things that we did know, we do know, for example, the first thing that we found, one in five people within this survey had been to a holiday rental property where they\u2019d been to a party or hosted the party.
\nI guess that\u2019s not surprising because a lot of the time, when people do go away to another place and stay, they are catching up with family, friends or they are at an event like a wedding or a 21st<\/sup>\u00a0or 50th<\/sup>, so it is likely that they are possibly having a party there or they\u2019re going to a party in the place that they\u2019re staying.
\nKevin:<\/strong>\u00a0 I guess it\u2019s only fair that when you rent a place out, you have to expect that the people are going to live in it and that people do have parties. I suppose it\u2019s not so much the party; it\u2019s the damage that may follow on from that, Mitch.
\nMitch:<\/strong>\u00a0 Yes, that\u2019s exactly right. And the thing with people going to another property, that\u2019s most likely the first time they\u2019ve been in that environment, being in a property, so it\u2019s an environment that they\u2019ve never been in before. So, there\u2019s inherent risk with that, and obviously, people are people and accidents happen. When you\u2019re in an unfamiliar environment, things can happen, and accidental things mostly, a lot of the time, are the things that do occur.
\nKevin:<\/strong>\u00a0 What have you found out are some of the most common breakages?
\nMitch:<\/strong>\u00a0 Again, accidental stuff, so people tripping over or accidentally bumping a TV when they\u2019re walking past it. For example, we\u2019ve had a few claims that we released the story of. One was a frozen chicken that was taken out of the freezer, and it dropped into a ceramic sink and cracked it. That\u2019s something that you would never predict happening.
\nAgain, there was another where, as I was alluding to earlier, people were away for New Year\u2019s, they were at a property, got a little bit over-excited and planned to bring in the new year with a few sparklers. Those sparklers got a little bit hot and accidentally dropped them on the floor, and yes, it created a few burn marks on that floor.
\nAgain, those accidental things happen. No malice in it; it\u2019s just people are people.
\nKevin:<\/strong>\u00a0 We\u2019ll talk about cover in just a moment, but did you find that one sex over the other is more likely to be accident-prone?
\nMitch:<\/strong>\u00a0 We did find that men within the 25-to-35-year-old age bracket were more likely within this survey, but I think it\u2019s representative of not just men in that age bracket are susceptible for damage; I think any time that you have a person who has never been in your property before, you have to expect some kind of risk will come with that. So, I think any host should be diligent no matter what the guest they have coming into their property.
\nKevin:<\/strong>\u00a0 Let\u2019s talk about insurance. Does a standard home and contents insurance, or even landlord insurance, cover you for some of these short-stay accommodations?
\nMitch:<\/strong>\u00a0 Typically, no. With a home and contents policy, that\u2019s for the private use of a property, and when you do have a paying guest in your property, that typically is a commercial transaction, and therefore, you\u2019re using your property for commercial purposes. That\u2019s why ShareCover, we\u2019ve created it and we offer that policy in the market that covers you specifically for paying guests being in your property for a short period of time.
\nKevin:<\/strong>\u00a0 It\u2019s specific to the share accommodation?
\nMitch:<\/strong>\u00a0 Yes, exactly right. Whether you\u2019re renting out on shared accommodation platforms like Stays and Airbnb or through a real estate agent, or a lot of people, we\u2019re finding out, do have their own websites that they use to take bookings for their property.
\nKevin:<\/strong>\u00a0 In the event that I had a property that was being managed under normal tenancy arrangement, I have a landlord protection insurance over it, and then I decide to switch and go to something like Airbnb, do I need to notify my insurance company, or should I be looking at a whole different policy?
\nMitch:<\/strong>\u00a0 I can\u2019t speak around what each insurer would stand for this, but it\u2019s something that we would recommend each host does speak to their current insurer and feel comfortable that that is something the insurer might cover, or if they\u2019re not going to cover it, know that there are other options out there, like for example, ShareCover.
\nIt\u2019s all about being informed as the host, and there are so many great channels out there through Airbnb community forums, Stays community forums, calling the insurer themselves, or Googling.
\nKevin:<\/strong>\u00a0 It\u2019s a very timely instruction, really, to be looking at this. I\u2019ve been talking to Mitch Sweeney who is from ShareCover. You can get more information by going to their website to find out a little bit more about this.
\nMitch, thanks so much for your time.
\nMitch:<\/strong>\u00a0 Great. Thanks, Kevin. Thanks for having me.<\/p>\n","protected":false},"excerpt":{"rendered":"

Toilet blockages, carpet burns and broken bed legs are just some of the accidents hitting holiday rental property owners and it is on the rise as a result of an increase in the number of people who rent their property out on Airbnb.\u00a0 Mitch Sweeney…<\/p>\n","protected":false},"author":176692471,"featured_media":20054,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[33,10,11,13,36,18,22,25,27],"tags":[101],"class_list":["post-20053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies-topic","category-kevin-turner-sponsored-channels","category-kevin-update","category-latest-story","category-property-investment-topic","category-property-management-topic","category-research-topic","category-sponsored-channels","category-trends-topic","tag-podcast"],"yoast_head":"\nWhat are your tenants really up to? 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