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Host Protection Insurance is a liability insurance program. It may provide up to $1,000,000 USD in liability coverage for a host’s legal responsibility to a guest or third party that gets hurt or has their property damaged due to an incident related to an Airbnb stay.
Host Protection Insurance provides hosts with primary liability insurance coverage, meaning it generally applies first regardless of other insurance policies a host may have. Host Protection Insurance doesn’t apply to hosts who offer accommodations through Airbnb Travel, LLC, hosts in mainland China, hosts in Japan, or hosts of experiences.
Note that Host Protection Insurance doesn’t cover damage to hosts’ property—that may be protected by Airbnb’s Host Guarantee.
The claim process
- Intake form is completed: A host, guest, or third party completes and submits the Insurance Program Intake Form.
- The insurer appoints an adjuster, who then reviews the claim: After the intake form is completed, an adjuster on behalf of the insurance company will get in touch to discuss the claim and gather information.
- The claim is investigated by the assigned adjuster: The third-party claims adjuster settles the claim in accordance with the terms of the Host Protection Insurance policy and applicable laws and regulations in the applicable jurisdiction.