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"Just because someplace costs $200k doesn't mean it costs $200k to rebuild from the ground up "

In Dallas (where I live), a structure usually costs much more to tear down and rebuild new than it is currently worth. For example, you might get a mortgage on a $250,000 10yo house here yet your insurance will be for $375,000 for that reason.



True. I was just thinking of typical airbnb apartment rentals, where the property owner only owns the "walls-in" portion of the unit.


Yet a renter will still be held responsible by the owners of the building if anything outside of their possessions is destroyed.


Only if they are negligent or worse. Landlords carry insurance on the structure. Tenants are responsible for contents of their apartment.

Hopefully if you rent and use Airbnb, you have a renter's insurance policy with high liability limits.


I'm not saying they are, but I'm sure if the structure was destroyed by a sub-letter there is a good chance the landlord's insurer would allege the tenant was negligent.




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