Actually curious here...links?

A bunch of nonsense. Somebody got drunk and noisy, so what? People living in those houses never drink? Never get noisy? People don't leave hotels and don't get noisy and drunk? Are hotels covering tourist behaviour outside of hotel premises? You are full of shit, just like this entire case.

Ha ha,ignorant little ass,apologise for yourself, not for others. As an anarcho capitalist, objectivist I denounce any association with you whatsoever. You don't represent me or my ideals in any way. Now shoo.

I don't need Somalia for any so called examples, my own country of birth has a deep history of freedom fighters, anarchists of various kinds who managed for years to stave off much larger forces from East and West. Of course lately another fight started and we will see how this goes. I am an anarcho capitalist, objectivist, and your childish leaning towards limited government is of no interest to me. How I deal with the reality around me is not for most people either.

First: it is false to assume people don't have insurance just because they did not pay for a government license.
Second it is false to assume that a flat owner is unaware of the risks.
Third not buying insurance does not in any way imply inability to pay for damages should that be necessary.

It is you, who lives in a black and white world, where absence of a government seal means some kind of a problem and presence of a government seal means some type of a guarantee of quality or whatever.

Individuals must be free to make individual decisions and live with any consequences.

Rethink your assumptions. Anybody not buying insurance is taking a risk but it is a known risk with their own savings, just like anybody choosing airbnb to a hotel. People are taking a risk to minimize their expenses and the establishment fights it via government oppression.

You don't need to buy insurance to be insured, it is called savings.

Is it OK if I just hope you are proven correct, while kinda knowing that this story goes another way?

Not having insurance means this: the hotel industry lobbies the government to make competition illegal, that is all it is.

You are an ignorant little ass, you have no clue even about your own government system. The USA Constitution talks about the consent of the governed and there is no consent. Beside that, as QN anarcho capitalist, objectivist I reject any notion of limited government power over an individual in the first place.