Host left her bedroom window open and we were burgled! She offered to refund my stay in full - then reneged! Refused to even refund evening of the burglary - though I helped her secure the property, shared my wine, made her food, helped her make her bed, cleaned my own bedroom so i could go to sleep, and she would not be in house alone. Consider getting your own insurance when staying with Air bnb - as only $500 claimable for (any) losses.