Hurt at an Airbnb in Albany? 

Don’t Get Stuck with the Bill 

You booked an Airbnb in Albany, expecting a fun, stress-free stay. But then—boom! You slip on a wet floor, trip over a loose rug, or maybe a wobbly railing gives out. Suddenly, you’re not thinking about sightseeing. You need a personal injury attorney who knows how to handle these situations and get you the compensation you deserve. 

An injury can turn your world upside down. You shouldn’t have to fight with insurance companies or hosts who dodge responsibility. That’s where we come in. Our experienced attorneys at Horn Wright, LLP, know the ins and outs of Airbnb injury claims, and we’re here to make sure you get the compensation you deserve. 

Suing Your Host vs. Filing an Airbnb Insurance Claim: What’s Smarter? 

After getting hurt at an Airbnb, you’ve got a big decision to make: file an insurance claim with Airbnb or go straight after the host. Both options have pros and cons. 

Airbnb’s Host Liability Insurance: Sounds Good, But... 

Airbnb offers Host Liability Insurance under its AirCover program. It provides up to $1 million in coverage for: 

• Bodily injury to guests: Covers medical bills, rehab costs, and lost wages. 
• Property damage or theft involving guests: Protects third-party properties affected by the stay. 
• Damage to common areas: Covers shared spaces like lobbies or hallways. 

But here’s the kicker—this policy doesn’t cover everything. It won’t pay out if: 

• Your injury was caused by an intentional act (think assaults, fights, or reckless behavior). 
• The host’s own property was damaged (they need separate coverage for that). 
• The accident happened outside your booking period. If you check in early or leave late, you might not be covered. 

Suing the Host: A Better Option? 

Sometimes, suing the host makes more sense, especially if: 

• Negligence played a role. If the host ignored obvious dangers—like broken stairs or exposed wiring—you could have a strong case. 
• Airbnb denies your claim. It happens more often than you’d think. 
• Your injuries are severe and expensive. Medical costs can skyrocket, and Airbnb’s insurance may not be enough. 

New York premises liability law holds property owners responsible for keeping their space safe. If they failed and you got hurt because of it, you might have grounds for legal action under New York personal injury law. Speaking with our Albany lawyers can help you determine your best path forward. 

Which Route Should You Take? 

It depends. Ask yourself: 

• How bad is the injury? More serious injuries might justify a lawsuit. 
• What caused the accident? Clear negligence? You might have a case. 
• Is the host or Airbnb being unhelpful? If they’re ignoring you, legal action might be your best bet. 

We can help you figure out the best approach. 

Who’s Really Responsible for Your Airbnb Injury in Albany? 

Figuring out who’s on the hook for your accident isn’t always straightforward. Here’s who might be liable: 

The Host: The Usual Suspect 

If your injury happened because of unsafe conditions—like slippery floors, broken steps, or bad lighting—the host could be held accountable. They’re responsible for keeping their property safe for guests. 

Airbnb: Can They Be Blamed? 

Airbnb mostly acts as a middleman, but they could share liability if they violate U.S. Consumer Protection Laws. 

• They knew the host had safety issues but kept listing the property anyway. 
• They ignored complaints about hazards—and you got hurt because of it. 

Third Parties: Sometimes, It’s Someone Else’s Fault 

If a cleaning company, maintenance worker, or contractor left the property in a dangerous state, they could be held responsible too. 

Hidden Airbnb Insurance Loopholes: What They Won’t Cover 

Airbnb’s insurance isn’t as airtight as they make it sound. Here’s what they’ll avoid paying for: 

• Injuries from intentional harm (fights, self-inflicted wounds, etc.). 
• Emotional distress if there’s no physical injury. 
• Damages related to mold, pollution, or infectious diseases. 
• Accidents outside the official booking period. 

If Airbnb’s insurance fails you, don’t panic. You may still have rights under federal insurance laws. There are other ways to get the compensation you deserve. A Albany personal injury attorney can explore every legal option available to make sure you’re not left footing the bill. 

Steps to Take Right Now If You Were Injured at an Albany Airbnb 

If you get hurt, don’t wait—taking quick action can make a huge difference in your case. Here’s what to do: 

1. Get medical help. Even if you think it’s “just a bruise,” get checked out. 
2. Take pictures. Document everything—the scene, your injuries, anything that looks unsafe. 
3. Report the incident. Tell the host and file a complaint with Airbnb. 
4. Get witness info. If anyone saw what happened, their testimony could help. 
5. Save everything. Keep receipts, medical reports, and any communication with Airbnb or the host. 
6. Talk to a lawyer. Don’t try to handle this alone—legal guidance can make all the difference. 

Horn Wright, LLP: The Legal Team That Fights for You 

We know how frustrating and stressful an injury can be,  especially when you’re far from home. That’s why we’re here. We handle Airbnb injury claims every day, fighting to make sure you don’t get stuck with the bill. 

We know how to deal with Airbnb’s insurance loopholes, hold negligent hosts accountable, and push back against unfair denials. Whether we’re negotiating a settlement or taking your case to court, we’ll be by your side every step of the way. 

Don’t let an Airbnb injury ruin your life. Contact our Albany law office today for a free consultation with a personal injury attorney and hire one of the best law firms in America to get the justice—and compensation—you deserve.