An expensive vase was not stable
The vase is shuttered in pieces. The guest is long gone. You should not be left alone with those consequences. Allianz provide up to 5000 CHF coverage per rental.
The guest looses a key
The guest has left and so has your key. Your liability insurance doesn’t include those kind of situations, but Allianz does!
Paid off with the first rental
Starting with the first rental* is cost-neutral
*on average, after two nights rental