Airbnb offer the Host Protection Insurance Program to protect Airbnb hosts (and landlords, as additional insureds) against liability claims of up to USD 1 million (per occurrence) that occur in a listing or on an Airbnb property during a stay, in the event of a third-party claim of bodily injury or property damage related to an Airbnb stay.
The Airbnb Host Protection Insurance Program provides primary liability coverage for up to $1,000,000 per occurrence in the event of a third-party claim of bodily injury or property damage related to an Airbnb stay.
The Host Protection Insurance Program is different to the Airbnb Host Guarantee. The former is designed to protect hosts against third party claims by guests of bodily injury or property damage. The Host Protection Insurance Program is instead designed to protect hosts against damage to their property and possessions for instances of damage caused by guests staying at their place.
The program can serve as your primary coverage for eligible claims filed as a result of Airbnb stays, even if you already have an existing homeowner’s or renter’s insurance policy (click here to find vacation rental insurance for your Airbnb).
It will only act as the primary insurance coverage for incidents related to an Airbnb stay, but is available to hosts regardless of other insurance arrangements they may already have.
You do not need to do anything to be covered under the program – by agreeing (or continuing) to list your property on Airbnb, you automatically agree to be covered under the program for occurrences during Airbnb stays (subject to Airbnb’s policy terms). Program coverage is subject to a $1,000,000 cap per listing location, and certain conditions, limitations, and exclusions may apply.
It also covers landlords and homeowner’s associations in many cases when claims are brought against them because a guest suffers bodily injury during a stay, and may also cover claims if a guest damages building property. This often includes claims filed by a landlord against a host.
Landlords are covered only if Airbnb and/or the host are also a party to the claim.
The Host Protection Insurance Program does not apply to liability arising from:
To file a claim under the Host Protection Insurance program, go to www.airbnb.com/insurance/form. This is the information you will need to provide: