What Anika discovered when she gave Airbnb a try …..

We have all heard about it, may know someone who has done it and possibly even have thought about doing it ourselves but were wary about what to expect: Airbnb.

Head for Points tends to focus on the major hotel chains – because those are the ones which hand out the loyalty points – but there is a quiet revolution going on.  Based on its last funding round, Airbnb is valued at the same level as Hilton.

The Airbnb idea is great in theory. Someone with a spare room rents it out to travellers who would like to experience a bit more of a place than just hotel rooms and hotel bars.  The best case scenario is that you end up staying with hosts that show you around, give you insider tips and become your Facebook friends.  At least that’s how I pictured it.

santa monica

When I went to Los Angeles my original accommodation fell through and I decided it was time to give Airbnb a try.

I found myself sitting in Starwood’s SLS Beverly Hills, which I reviewed here, not knowing where to spend the following night.  I set up an Airbnb account and worked my way through a long process of giving personal information and verifying my identity – after all I was going to stay in a private home and there needs to be some sort of safety and security.

Signing up:

The first thing I did was search for a place in Santa Monica. I typed it into the search bar and looked at all the places in that area.

airbnb website

I chose a room about 20 minutes from Santa Monica pier, wrote a message and waited for confirmation.

airbnb accepted


But before I could get a confirmation, I had to verify my identity and prove that I was a real living person.  I chose to connect Airbnb with my Facebook account but apparently there was not enough going on on my profile (which could have been due to my privacy settings) and I had to use another form of identification.  I took a picture of my drivers licence and uploaded it.

verify ID

When I had finally been verified, a message was sent to the host.

request sent


I received the confirmation via text message and e-mail with a phone number and address. Thanks to iMessage it was easy getting in touch with my host and arranging my arrival the following day.

From the pictures and comments I knew what to expect – a decent size room with en suite and a dog as a flatmate.

The room was exactly as shown on the site but could have done with a bit of hoovering prior to my arrival.  The bathroom was ok – but definitely not hotel standard.  I was warned about this from the comments on the host’s Airbnb page, but as this place was the only one in Santa Monica available I decided I could live with it for a night or two.  (I haven’t put the pictures here because I want to focus more on the Airbnb process than the specific places I stayed.)

I didn’t get to meet the host until I checked out but that was mainly due to me not spending much time indoors and her not being around when I was checking in.

The Airbnb app:

My second room was booked via the Airbnb app whilst I was sitting in a Starbucks in Venice Beach.  I found the app very easy to use and highly recommend it if you want to be a bit spontaneous with your travel.

You can enter your preferred destination and have a look on the map to find the exact location. It also shows the prices of every room and apartment. As your credit card details are saved on your account, you don’t need to put in any card details when booking.


I loved the second place I stayed at. It was a lovely hostel just off Hollywood Boulevard (Orange Drive Hostel – if you ever need to recommend a hostel in Hollywood to anyone) which I found useful as I could walk down the Walk of Fame on my way to the Metro station,  snapping a few pictures without outing myself too much as a tourist.

One reason I booked it were the 100+ positive reviews. I wasn’t disappointed when I arrived. Everything looked as in the pictures, there were two lovely outdoor spaces, a kitchen with free breakfast, fast free wifi and everything was incredibly clean.

garden orange drive hostel


After your stay you are being asked to write a review about your stay which will appear on the hosts page and also to give feedback to Airbnb for internal use. The hosts are also asked to write a review and as soon as both parties have written their reviews they are published (if one decides not to write a review the other one will be published after two weeks). The review from the host can affect whether or not you will be accepted by a host when booking in the future.

review hostel

Is Airbnb for you?

I loved using Airbnb. It is not really comparable with a hotel as it is a whole different way of travelling.  If you are travelling alone as I did it’s good to search for a room in a shared apartment where the comments are very positive about the host.

Usually you can also find out through comments if the host will be around to show you around the area. In my case the flatmate (the human flatmate not the dog flatmate) didn’t know much about Airbnb but was happy to tell me about a great bar around the corner and how to get around by public transport.

When travelling in a group or as a family a whole house or apartment is also an option. You are independent, can cook your own meals and won’t be disturbed by anyone. The search option lets you narrow the results down to the price you want to pay and goes up to £500.

You can find whole houses with swimming pools in the higher price category or a sofa in someone’s living room for just a few quid. I paid £44 a night in Santa Monica and £33 a night in Hollywood.  My focus was not to have the biggest and best room with en suite and breakfast, but simply a bed for the night in the area I wanted to explore.

When my parents came to visit me in London last week we spent a night at a friend’s place just outside Windsor which is also listed on Airbnb. Unlike the places I stayed at in Los Angeles, this is a large house which can sleep up to eight people. It just shows how different the options are on Airbnb.  You can book a room, a whole apartment or a whole house almost everywhere in the world.

As this is Head for Points I should mention that Airbnb has no loyalty scheme.  There is a refer a friend scheme, however. When a friend sign up via a referral link they get £14 off when booking their first stay and a £45 bonus when hosting for the first time.  Feel free to use my link if your friends aren’t members and you’d like £14 off your first stay.

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  1. Simon Bostic says:

    AirB&B is great for all the reasons stated. It did start put as a concept based around people letting out their apartments or houses when they were away so as a traveller you get to experience a more authentic stay. Or indeed as a singleton you stay with a real live local!
    It’s now a bit more commercial than that but the idea is still good.
    Sometimes there are massive amounts of places to search through which can be tedious and you can sometimes be unlucky so definitely scrutinise profiles and reviews and pictures well.

    Am very curious about why your Facebook page wasn’t accepted though Rob. Do you use it once per year ?!

    • There might have been a window popping up asking for access and out of reflex I denied :) But somehow after my driving licence had been approved, my profile was then also linked to my Facebook….

  2. It’s Anika’s review :-)

  3. Thanks Anika for your review. Airbnb’s always been on the back burner, but might just take the leap for a quick break in the summer.

  4. I’ve used Airbnb for all my solo business trips for the past five years and absolutely love the experience of staying with a local. I almost never book a hotel these day except for a specific reason – such as an airport hotel.

    When I travel with my partner we tend to rent entire homes which are always way better value than the hotel that we would get for the same rate.

    I’ve found that hosts’ descriptions are generally very honest and guest reviews are helpful (especially if you try to read between the lines). The credibility of reviews increased when Airbnb introduced the policy of not revealing either review until both had been written. Until a couple of years ago there was a game of hosts and guests writing suspiciously glowing reports of each other in the expectation of getting the same in return.

    You will find properties of every style, standard and price. A world away from standardised hotel chains!

    A couple of months ago I decided to try hosting, and listed my buy-to-let apartment on Airbnb (https://www.airbnb.co.uk/rooms/1670067).

    What’s great move! If you’re a landlord, I recommend you consider it. I’m now making three times what I was before even after paying the additional costs – council tax, TV licence, utilities, Netflix, etc. Of course, there’s the additional hassle – sorting the cleaning, guest checkins, admin – but I’m find it well worth the effort.

    (FYI – the link I’ve included isn’t a referral link so you should make sure to use Anika’s link if you sign up.)

    • Jeez. Look at all those typos caused by autocorrect.

    • Imbruce says:

      James be aware that you are in breach of your buy to let mortgage contract as they are issued for
      An AST only. A mortgage broker friend said there has been a lot of discussion about Airbnb and buy to let mortgages and the lenders may consider looking at withdrawing people’s mortgages.
      Most Coucils only allow short term holiday lets for 90 days per calendar year.
      Also I have heard of guests that are staying in properties doing considerable damage to the property.

      Also consideration needs to be given to your neighbours living in the building with regards to noise,safety and also various strangers entering or leaving the building anytime of the day or night. I say this as someone that has had to put up with this happening over the last 6 months in our building
      We have had people arriving at 1:30 AM, the representative from the holiday let company having lost the keys for the flat and then got a locksmith out to drill out the lock by the time the people settled it as 3:30AM. I was not happy. The holiday company did not care and what is worse their reps spoke little to no English. Also Airbnb were of no help either. There customer service is virtually non existent. Our building us a Victorian Conversion and we here everything even the neighbours snoring. The flat is now back up for sale and the Freeholders have just issued new leases with a clause that state holiday lets will not be permitted in any flat.

  5. Nice plug James!

    I too have used Airbnb for around five years. In Singapore hotels were incredibly expensive, so I used the app there. As it happens, I go to Santa Monica every year for a work thing in Novemeber and all the hotels are booked up and so always rent a room there, I go towards Venice Beach. Same thing in Toronto. I think it’s a great product.

    • flyforfun says:

      Just a warning to check your Lease conditions to see if you can sublet short term. Where I live it specifically states all sub-lets are for a minimum period of 6 months.

      We’ve caught owners and renters trying to use AirBNB and other sites and they’ve received letters from the freeholders lawyers (and a cost for the letter). Those renting and then subletting on these sites usually end up having their leases terminated as a result as the Freeholder has threatened to the flat owners that they will use this as reason to reclaim the flat.

  6. Frenske says:

    Now having a baby, the first choice is to rent an apartment. Airbnb is particular good for that. Some hotels even don’t allow children or charge for extra beds.

  7. Re you saying it has no loyalty scheme… Airbnb does allow you to earn airmiles on Virgin America for the time being – but this might not last once VA is taken over: https://www.virginamerica.com/cms/elevate-frequent-flyer/partners/hotel-partners/airbnb-booking

  8. I did love Airbnb.. until I had a bad experience, that is.

    We were travelling with a 6 month old baby and a toddler to Asia, so being in a flat in the right part of the city (ie 10 minutes from family, not 45 minutes thru traffic and fumes) was perfect. We booked two weeks with a week at the beach in the middle.

    First week great, apart from issues with apartment plumbing that were pretty standard for the country. The issue came at 10pm the night before we were due to return from the beach to the city, when I received a cancellation notice from my host.

    It turns out that although the host had a ‘strict’ cancellation policy, so we would forfeit the entire booking fee if we cancelled anything under 30 days in advance, the host is at liberty to cancel whenever they want. Even at night, 14 hrs before check in time.

    All of a sudden our perfect setup for a young family became a bit of a nightmare. Hotel rates were thru the roof, there were no other similar apartments on airbnb. We ended up paying about 50% more for a serviced apartment that was 75 minutes drive across the city from our family we came to visit.

    In this situation Airbnb do offer a bonus on your initial booking value to help you find a replacement. Trouble is they just didn’t have enough properties for this to be possible. I sent an email explaining why I felt there should be some cancellation protection of at least a couple of days for the person making the booking as well as the host, but I never received a reply.

    I do understand that often hosts are homeowners and things come up. But the lack of security of a booking puts me off booking again with kids. And in this case there was no family emergency – it was just that the builders wanted to come in and fix the plumbing, so we were kicked out.

    • Agree about the one-sided cancellation terms, Jonny – that was what put a group of us off booking for New Year in Sydney last January, we were worried the host may cancel nearer the time, leaving us with nothing. We did use it on a trip to Tasmania though and had a fantastic detached house for a trivial amount per person. Definitely worth considering but they need to do something about the cancellation side of things.

    • it’s always worth filtering by ‘superhosts’ too – I *think* they have to have a record of not cancelling on guests to get this status

      • Polly says:

        Must admit, I am one of those “super hosts” and it’s very hard work maintaining my status. People do expect very high standards even when paying airbnb rates. That said, my charges are basically half those of a regular local b and b, so v g value for money. The rooms are in my home, as kids have left now, so I can vet who requests to stay. Big Biz demand, as am based in Surrey and close to London. I have never cancelled, and wouldn’t like it to happen to us. But understand illness or family can get in the way. We have also used it in the USA. A local host near me actually booked her sister in with me, rather than cancel a guest. It’s a great concept, long may it last.
        James, love your apartment, very posh! Are you not a super host also? Clare, your place is fabulous too. Def want to go there to visit. We love Italy.

    • My daughter uses Airbnb a lot, and learning from her experiences I’ve started as well, and mostly with good experiences, and much more interesting experiences than business hotel travel.
      But the lack of cancellation protection is a big issue. My daughters worst case was arriving in London, to her Airbnb address, and the host not being there. Calling him, he informed her he was cancelling because “someone had offered him a higher offer to get the flat”, and she was left in the street, luggage in hand, and had to in the end seek help from a friend, and got put up in their flat. Researching, (she was more of an Airbnb novice back then), it turned out the guy was basically a commercial buy to let landlord, who had discovered he made more money renting lots of rooms on short term Airbnb lets. She’s also been in a flat, where the flat owner had Airbnb’d a room, his sister came to visit at short notice, and he cancelled the Airbnb that was due that night.
      In slightly different circumstances, when we she was away on business and her own flat was empty, she got a call from a friend who had relations with a young baby arrive from America, and on landing in the UK, found their Airbnb cancelled, and the friend called her out of desperation to try to borrow her flat because it was so late, and they could not find anything. In that case, it turned out the host had fallen ill, and could not leave the flat as he had intended. Genuine reason ok, but it shows the risks.

      I’ve used a few places in the US, but always check the host carefully, and try to keep a backup plan, in case it goes wrong.(that’s usually a very expensive booking using the “guaranteed room availability” of high tier hotel loyalty cards). So far nothing has gone wrong for me, and every experience has been very good, and I could see me using it more frequently.

      • Mr Dee says:

        Being gazumped shows how desperate some hosts are, you don’t want this type of host who will give up their values for extra cash thats why its important to only go for the high reviews and read all the feedback. This why its not always a good idea to go for the cheapest options.

  9. Similar to comments already posted , I have used Airbnb lots and have always had a good experience.
    My personal favourite was a trip to Oslo at Halloween. I was travelling on my own and my host took me to a party with his friends and gave me a costume to wear and painted my face.
    Airbnb might not be for everyone but you get to enjoy and see things hotel based tourists would not.

  10. Works well for me, just remember the two way feed-back….

  11. Firstly, to declare an interest, I do rent out a property on AirBNB. However, I also used it for a period before putting my own property on there. I have just finished a trip to California almost entirely using AirBNB and it was fabulous, staying in much better places that you would have thought possible for what we paid. There were four adults, and we stayed every night in AirBNB, for 16 nights apart from three nights in hotels for which I had points.

    Hotels in San Francisco are stupidly expensive for what you get. However, we stayed in a top floor Victorian apartment with views of the Bay in the Castro for a week, followed by three nights in Monterey with 180 degree views 50 feet from the beach, followed by three nights in a lush Victorian in the Marina area of San Francisco 150 m from the Palace of Fine Arts. The pppn rate for the bits in AirBNB – £62. Yes. Really. I’ve just looked on Trivago for what you can get for that rate in SFO, and frankly they all look like drugs dens. I did NOT take my parents on a tours of the drugs dens of California.

  12. As for loyalty schemes, Airbnb was still giving me double points (as in 100% bonus points) on an 18-month old Amex Gold back in March, which seems to be the only thing I get bonus points on now.

  13. I like the concept of Airbnb but the security and protection for the guest could be improved, I have had issues with places not being described where the place hasn’t even been cleaned since the last person, in this case I got a full refund from Airbnb. The only way to avoid situations like this is to make sure you check the reviews for any issues at all and only go for the highly recommended even if it is at a higher price than others.

    • The reviews are also skewed so highly (I think I read that the average rating on Airbnb is over 4.5/5) that I wouldn’t pick one where even half a star is missing in any category – things have to be bad to get guests away from leaving 5 stars…

  14. BrianDT says:

    My wife and I are shortly off on a 2 month jaunt around the Northern Territories in Aus before heading over to NZ. We rarely use mainstream hotels apart from arrival and departure, and this will be our first use of airbnb. We tend to just travel day or so here and there,depending how we feel and what’s around.I see that Anika had to post her license for security but I see no way of doing that on the App.What I would like to know is if there are any particular do’s or don’ts we should be aware of before we leave home. It will be very annoying to arrive only to realise “if only we had known”. Thanks for any advice.

    • I used it for the first time this month in Berlin and Amsterdam. The Berlin apartment was brand spanking new with all mod cons and great F and Fs. Amsterdam was an older ground floor apartment with just a hob for cooking and more basic furnishings.Both were great value however – especially Amsterdam and I would recommend it. The airbnb app does tell you which hosts have cancelled on guests and how many days in advance they have done do.

    • When looking in NZ try bookabach (part of VRBO – a similar scheme to airbnb). Stayed here – it was marvelous. http://www.bookabach.co.nz/baches-and-holiday-homes/view/8376##

    • I think the key is to register before you go and ensure ID is verified, credit cards linked etc. You should then be OK to use the app on the fly.

    • You don’t have to physically post them your ID. Just login to their website (not the app) and upload photos of your drivers licence, passport, etc.

  15. Fredo Frog says:

    I have not stayed at an Airbnb property yet but have used the service to book two properties for a USA trip later this year, one in Washington DC and one in Brooklyn, NYC, each for a weeks stay..

    There are risks, clearly, though hotel bookings can be also. The late cancellation issues highlighted above have been partly offset by me booking a hotel room in each city with a 24 hour cancellation policy, so that offers some reassurance until 24 hour before.

    I would never wish to stay in someones “spare room” but we have booked apartments which will offer the facilities of a high-end suite for the cost of a basic hotel room, albeit withouth room service, bell boys and concierge, but I rarely use such services myself anyway.

    The properties I booked were both relatively new to Airbnb, with few reviews. I was advised against this but liked the look of the properties: one is a new apratment recently built on the Brooklyn waterfront in Wiliamsburg, the other a Washington DC condo in a fancy block near Foggy Bottom. I am pleased to note they have consistently received 5 stars since I booked them and are now virtually fully booked for the entire year. One is a superhost.

    If they work out well, I shall be using Airbnb again as I must admit, I find large corporate hotels very dull. The experience so far has been favourable.

  16. One thing about Airbnb is that each stay is a memorable experience – for better or worse – and the extent to which a few of our stays have been disappointing (usually just not quite as clean as you’d hope) is far smaller than the extent to which the good ones have been great. A sense of adventure, openness and generosity are part of the Airbnb model and I’ve found these traits are in shorter supply when trying to use it in the UK compared to US or Australia.

  17. BA-Flyer says:

    Are you sure it’s a £24 referral? I just signed up and got £14.

    • I’m pretty sure when I tried the link a week ago it said £24, but just checked and it says £14 now. It might have been $ and I thought it was £.

  18. Great review. We have been using airbnb for years too. Agree with everyone else that compared to a cost of a hotel for us a two bed apartment or house is mostly comparable or a third less than a hotel. We also tend to book whole apartments/houses.
    I am not sure about quiet revolution for some it’s the first accommodation search they do and for others it’s the second search after hotels on momondo etc
    Perhaps run a poll on how many readers use airbnb.
    For newbies send emails to host and gauge from replies if they are prompt and can answer your questions
    For loyalty https://www.housetrip.com/ started before airbnb and think recently got bought by TripAdvisor. They have similar loyalty like Hotels.com so your 10th stay is free.

  19. Federico says:

    Airbnb can be good, but i had to cancel one of my holiday because of the host cancelled the booking. I am that kind of person that I book an hotel and try to check cheaper and better positioned hotel. I cancelled my hotel when I found an Airbnb much cheaper of the hotel and better location. After 2 weeks the host cancelled and tried to book again the same hotel that I cancelled before it was 3 times the price well over my budget.

    If we cancel (as customer) we need to pay some kind of charges, instead if the host cancels it is fine for Airbnb..

    I will carefully book with Airbnb again in the future

    • Thanks for sharing that

    • Relaxo says:

      That’s not true. Hosts have to pay a penalty (I think $50) if they cancel more than once every 6 months. However if hosts turn on the instant – book feature then they are allowed more ‘free’ cancels. Anyways I remember a few yrs back when Raffles ran his first airbnb article, a bunch of whingers here were complaining about having to msg the hosts before booking….it was such a pain for these spoilt brats apparently. Airbnb must have got lots of similar complaints as they introduced instant book feature soon after. Well, you have now been warned that hosts who turn on the ‘instant book’ feature are more likely to cancel than other hosts who opt for the slower ‘msg host’ option.

  20. One of the most horrendous things I’ve found out about AirBnB hosts is that they maybe don’t know what’s happening in their local area, then when you mention it while making an enquiry for a property which is showing available suddenly it becomes unavailable.
    I had this with one commercial buy to let guy in Greenwich who had (at least 3 different properties) no idea the London Marathon was on last weekend when I approached him several months ago. Likewise the same for countless hosts in Stockholm who I was approaching in the end of last year for Eurovision in a fortnight.
    Either it’s that, or hosts just don’t like taking bookings too far in advance. Ultimately it was their loss.

  21. Lady London says:

    I’ve used AirBnB twice each time needing to know quickly if the host is going to accept me. Trouble is, you have to give your credit card details in order to request the host to accept your booking. So it’s a nervewracking wait until they respond – as your card will presumably be charged if they accept you. One experience, after a lot of reading “between the lines” on feedback (advised!) was absolutely wonderful, exactly the AirBnB experience as described. I am still in touch with my host from that booking! The other experience I got an immediate decline, when I contacted to ask again the landlord wanted to do it as a cash booking only – I agreed and noticed that the host cancelled it off AirBnB but happily welcomed me for cash the following day. Not a bad experience, host was charming and interesting, place was so-so, had negatives but OK for me, just being officially declined then paying cash just felt a bit odd.

    I’ll definitely check out AirBnB in future though, but more likely if a hotel cannot be found that is suitable. Suitable in my world these days = payable by points, or at least accruing useful ones

    • So you can avoid AirBnB fees same as you can avoid Ebay fees? Just deal privately?

      • Mr Dee says:

        Yes but I wouldn’t advise it if you haven’t already stayed with the host as if its a dodgy place you won’t easily get any money back.

  22. flyforfun says:

    Berilin is cracking down and AirBNB and similar sites due to its housing shortage. Rooms ok, commercial whole flat lets, no.


  23. Scott says:

    I had a night at the Orange Drive hostel last year (went through Hostelworld). Very well placed for the Chinese Theatre etc. and I could park around the back which was a major selling point – think it was $5 or something for the night.
    Not a lot of hotel choices around there but it was more than adequate for the night and as said, the location is well placed for various tourist attractions, the Metro etc – pretty much a couple of hundred metres down the road to Hollywood Boulevard.

  24. Relaxo says:

    I would like to put out a semi-PSA here for those who are not too familiar with Airbnb. Please try not to rent out listings from commercial landlords/buy to let folks. It is easy to spot these folk as they will have guest reviews for other properties (a link to these also appears on the listing page). These ‘hosts’ are chief contributors to rising housing shortages in many cities. As a guest, you are more likely to have a negative experience or get cancelled on as well. Airbnb has shirked off it’s social responsibility in this regard as the added revenue is too lucrative. Ultimately, these upper middle class parasites will ruin a good concept for everyone. My 2 cents – if you are looking for a whole flat/house to rent make sure the host does not have multiple listings. I would say put a threshold of not more than 1property ( not to be confused with multiple room listings for same property). Do try to book spaces with ‘live -in’ hosts. These are the people who are doing what airbnb was intended for, they are part of the local community, and they don’t want neighborhoods that are just full of tourists and homeless people.

  25. Matt W says:

    I wonder just how many people can host AirBnB without being in violation of something? In somewhere like London it may be quite a small minority.

    BTL landlords like James are likely to be in violation of mortgage terms, and may be invalidating their insurance. It would be interesting if one chose to just stay, as it would take months to remove them, and direct attempts to remove would be

    Tenants will nearly universally be in violation of their tenancy agreements, both for “running a business” and “subletting”. The former may also place their LL in violation of mortgage terms.

    People in leasehold properties may be in violation of their lease.

    Do normal residential mortgages restrict this? I do not have one anymore, so I do not know.

    In some places (eg Westminster) there are byelaws which limit total stays to 90 days per year. IMO that is a mistake and if they are concerned about neighbours then it should also be about total number of stays.

    And I suspect that Relaxo needs to relax a little, making assertions for which I know of no evidence, but HFP is not the place for a political debate.

    I don’t see this situation lasting after eg the first guest is killed by an unmaintained boiler in a private house – standard rental safety requirements will be imposed. Enjoy it while it lasts. Regulation is coming.

    • I’m treating mine like a furnished holiday let and checked my mortgage and lease terms before going ahead.

      I have public liability insurance and have had all electrical items PAT tested. Although there’s no gas in the property, Airbnb required me to install a CO alarm. This is in addition to the existing smoke alarms.

      All income will be declared to HMRC and taxed according to their FHL rules.

      I do not condone anyone breaking laws or rules, whether that be safety, tax, lease or mortgage.

      I won’t wade into the wider political debate about affordable housing – it’s a large and complex topic and Rob’s blog isn’t the place for that. But I will comply with whatever regulations are imposed by central or local government.

  26. Matt W says:

    >and direct attempts to remove would be

    should have said … would be “problematic”.

  27. IslandDweller says:

    It’s a great idea, and I have used it (once). But I would always read between the lines about what you are renting.
    An ordinary home in multiple occupation (at least in the UK) would invalidate many home insurance policies. Trip on a damaged carpet or dodgy step….injure yourself so badly you can’t work… Very unlikely but the consequences…. In a hotel, you’d likely be covered by insurance. No guarantee of that coverage with this.