Major damage is rare in Airbnbs. Globally, only about 0.03 percent of the company’s reservations led to a property damage reimbursement of $1,000 or more in 2024, said Javier Hernandez, an Airbnb spokesman. Still, accidents happen: Guests occasionally spill red wine on white carpets or knock vases off tables. If it happens to you, what do you do? Here are some tips to navigate the process and protect yourself.