Category: Landlord & Tenant Protection
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🛡️🏠 AirCover不是保險！Airbnb房東必讀：賠什麼、不賠什麼？完整理賠流程解析 AirCover Is NOT Insurance: What Airbnb Hosts Must Know — Coverage Limits & Full Claim Process Explained
AirCover不是保險！本篇完整解析 Airbnb 房東最容易誤解的保障內容：賠什麼、不賠什麼、理賠流程與重要排除項目，並說明為何房東仍需要 HO-3、DP-3 或 Commercial STR 保險來真正保護房屋與收入。 AirCover is not real insurance. This article explains its coverage limits, exclusions, and claim process, plus why hosts still need HO-3, DP-3, or Commercial STR policies to protect their property, guests, and rental income.
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🏡✨Airbnb 房東必看：最安全的 3 種保險選擇 × 保費示例 × 風險比較表 Airbnb Host Insurance Guide: 3 Safest Options with Premium Examples & Risk Comparison
Airbnb 房東保險完整指南：HO-3 自住房短租附加條款、DP-3 房東保單、Commercial STR 商業短租保險。內含 AirCover 不足說明、保費示例與風險比較，協助房東保護房屋、房客與租金收入。 A complete guide for Airbnb hosts: HO-3 with home-sharing endorsement, DP-3 landlord policy, and Commercial STR insurance. Includes premium examples, AirCover limits, and risk comparison.
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🧑⚖️ 房東未經允許開門 vs 房客未經授權帶人進屋：這算不算租客保險的理賠？ Unauthorized Landlord Entry vs Unauthorized Guests: Does It Count as a Renter’s Insurance Claim
房東未經允許開門與房客未經授權帶人進屋，哪些情況算租客保險理賠？這篇用生活案例說明法律責任與保單承保範圍。 Unauthorized landlord entry vs. unauthorized guests—when do these situations qualify for renters insurance claims? This article explains legal liability and what the policy actually covers.
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🏚️ 非法租客 × 違法分租 × 房東保險雷區（第三集）Unauthorized Tenants × Illegal Subletting｜Landlord Insurance Traps (Part 3)
如果 ICE 上門、租客身份不明或房客非法分租，房東保險為何常拒賠？這篇一次整理保單雷區與實際案例。 When ICE shows up or tenants violate rental rules, why do landlord policies refuse to pay? This article explains the common exclusions.
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🏚️ 非法租客 × 違法分租 × 房東保險雷區（第二集）Unauthorized Tenants × Illegal Subletting｜Landlord Insurance Traps (Part 2)
第二集中解析更多違法分租、轉租、黑戶租客造成的保險失效狀況與如何自保。 Part 2 covers more real cases of illegal subletting, unauthorized tenants, and why coverage gets denied.
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🏚️ 非法租客 × 違法分租 × 房東保險雷區（第一集）Unauthorized Tenants × Illegal Subletting｜Landlord Insurance Traps (Part 1)
第一集帶你看懂什麼情況會讓房東保險直接失效，包括非法轉租與租約違規的風險。 Part 1 explains the most common triggers that void landlord insurance, including illegal subletting and lease violations.