Sometimes accidents happen, which is why there’s AirCover for Hosts.
AirCover for Hosts is top-to-bottom protection for Hosts. It includes guest identity verification, reservation screening, $3M Host damage protection, $1M Host liability insurance, and a 24-hour safety line. It also includes $1M Experiences & Services liability insurance.
Damage protection covers you if a guest damages your place or belongings during an Airbnb stay. You’re reimbursed for certain damages a guest causes to your home or belongings if they don’t pay for the repairs needed. Damage protection also covers for the cost of specialized cleaning services in certain cases, like removing stains left by guests (or their invitees) or pet accidents, or for removing smoke odor.
Host liability insurance protects you in the unlikely event that you’re found legally responsible for a guest being hurt or their property being damaged or stolen during an Airbnb stay at your place.
Host damage protection
Get details about what’s eligible and how to request reimbursement.
Host liability insurance
Learn what’s covered and how to file a claim if a guest gets hurt during a stay.
Experiences & Services liability insurance
Learn what’s covered and how to file a claim if a guest gets hurt during an Experience or Service.
While AirCover for Hosts protects you while you’re hosting an Airbnb stay, Experience, or Service, it’s not a substitute for personal insurance. You may also be required by law to maintain certain auto insurance, which would not be satisfied by AirCover for Hosts. Since everyone’s situation is different you should talk to your insurer to see how, or if, your policy overlaps with AirCover for Hosts.
Host damage protection, Host liability insurance, and Experiences & Services liability insurance don’t cover Hosts who offer stays through Airbnb Travel, LLC, or Hosts who offer stays or Experiences in Japan—where, Japan Host Insurance, and Japan Experience Protection Insurance apply. Host damage protection isn’t related to Host liability insurance. For Hosts who offered stays or experiences in mainland China, the China Host Protection Plan applies. For Hosts whose country of residence or establishment is outside of Australia, these Host Damage Protection Terms apply. For Hosts whose country of residence or establishment is within Australia, Host damage protection is subject to the Host Damage Protection Terms for Australian Users. For listings in Washington state, Airbnb’s contractual obligations under Host damage protection are covered by an insurance policy purchased by Airbnb. Keep in mind that all coverage limits are shown in USD.
Host liability insurance and Experiences & Services liability insurance are underwritten by third party insurers. If you’re hosting in the UK, the Host liability insurance policy and Experiences & Services liability insurance policy are underwritten by Zurich Insurance Company Ltd. and are arranged and concluded at no additional cost for UK Hosts by Airbnb UK Services Limited – an appointed representative of Aon UK Limited, authorized and regulated by the Financial Conduct Authority. Aon’s FCA register number is 310451. You can check this on the Financial Services Register by visiting the FCA’s website or contacting the FCA on 0800 111 6768. The Host liability and Experiences & Services liability policies within Aircover for Hosts are regulated by the Financial Conduct Authority; the remaining products and services are not regulated products arranged by Airbnb UK Services Limited. FP.AFF.418.LC
In the EU, these policies have been arranged and concluded at no additional cost for the benefit of EU Hosts by Airbnb Marketing Services SLU, an external collaborator of Aon Iberia Correduría de Seguros y Reaseguros, SAU, which is authorised and regulated by Autoridad de Control de la Dirección General de Seguros y Fondos de Pensiones, registered by the serial number of J0170. Aon Iberia Correduría de Seguros y Reaseguros SAU is acting as intermediary for the EU, participating in the distribution of insurance in EU countries under the freedom of services regime to provide services under the Spanish Insurance Distribution Law, the Insurance Distribution Directive, and other legal or regulatory provisions. Without prejudice to the authority of the Host country where insurance distribution services are provided, the member state responsible for the supervision of Aon is the Kingdom of Spain and the Supervisory Authority, the General Directorate of Insurance and Pension Funds, at Paseo de la Castellana 44, 28046 – Madrid.