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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 liability insurance.

Need to start a claim?

Damage protection covers you if a guest damages your place or belongings during an Airbnb stay. You’re reimbursed for certain damage caused by guests to your home and belongings if the guest does not pay for the damage.

Start a reimbursement request

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.

Start a liability claim

AirCover for Hosts programs

Host damage protection
Get details about what’s covered 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 liability insurance
Learn what’s covered and how to file a claim if a guest gets hurt during an Experience.

AirCover for Hosts and your personal insurance

While AirCover for Hosts protects you while you’re hosting an Airbnb stay or Experience, 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 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. For Hosts who offered stays or experiences in mainland China, the China Host Protection Plan applies. Keep in mind that all coverage limits are shown in USD.

Host liability insurance and Experience liability insurance are underwritten by third party insurers. If you’re hosting in the UK, the Host liability insurance policy and Experience 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 Experience 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.476.LC

For listings in Washington state, Airbnb’s contractual obligations under Host damage protection are covered by an insurance policy purchased by Airbnb. Host damage protection isn’t related to Host liability insurance. Host damage protection is subject to terms, conditions, and exclusions.