Am I insured through Airbnb?

By simply agreeing to list or continuing to list a property on Airbnb, you are automatically covered whenever you host a stay booked on Airbnb.



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Host damage protection, part of AirCover for Hosts, provides Hosts with $3 million in coverage in the rare event your place or belongings are damaged by a guest during an Airbnb stay.

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Here's how to get reimbursed if damage does happen during a stay: Document the issue by taking photos or videos, getting repair or cleaning estimates, and/or receipt. Within 14 days of the responsible guest's checkout, request reimbursement from them by starting an AirCover for Hosts request in the Resolution Center.

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Safety tips for choosing a place
  1. Finding what's right for you.
  2. Read the ratings and reviews.
  3. Review the safety features.
  4. Get your questions answered.
  5. Always communicate and pay on Airbnb.
  6. Do a safety check.
  7. Research local travel alerts and warnings.
  8. We're here to help.


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Always communicate and pay on Airbnb Keep yourself, your payment, and your personal information safe by staying on our secure platform throughout the entire process—from communication to booking and payment. You should never be asked to wire money, provide credit card information, or otherwise pay a Host directly.

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In an Airbnb arrangement, both the host and the guest may face claims for property damage or loss. For example, a host may face property damage or loss due to criminal conduct (theft) of a guest. On the other hand, a guest may face additional liability due to the loss or damage of the host's property.

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The other component of AirCover is Host liability insurance. This is essentially Airbnb liability insurance. It offers up to $1 million in bodily injury liability coverage if a guest is injured on your property during their stay.

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The short answer is yes. In case of guest complaints or unfortunate accidents, property owners can indeed get sued. This is why you need to know how to protect yourself from a potential lawsuit and assess if being sued is a real possibility.

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Airbnbs are usually cheaper than hotels for longer stays and large groups, but they don't offer the same services. Sally French is a travel rewards expert who joined NerdWallet in 2020. She previously wrote about travel and credit cards for The New York Times and its sibling site, Wirecutter.

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Your Host may request reimbursement If your Host believes that you're responsible for damage, missing items, or unexpected cleaning costs, they may send you a reimbursement request through our Resolution Center. You'll have 24 hours to respond. If you pay the full amount, the request will be closed.

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A property owner has legal liability for injuries that an Airbnb guest suffers when the property owner is negligent in the way that they care for their property. Premises liability rules apply to determine whether the property owner is negligent and legally liable for an Airbnb injury.

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Airbnb agrees to pay you, as a Host, whenever the Responsible Guest fails to do so, to repair or replace your Covered Property (as defined below) damaged or destroyed as a result of a Covered Loss (as defined below), subject to the exclusions, limitations, and other terms and conditions of these Host Damage Protection ...

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A property owner has legal liability for injuries that an Airbnb guest suffers when the property owner is negligent in the way that they care for their property. Premises liability rules apply to determine whether the property owner is negligent and legally liable for an Airbnb injury.

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Top 10 Best Insurance for Airbnb Hosts
  1. Proper Insurance. Proper Insurance is an excellent choice for vacation rental owners because it's designed with them in mind. ...
  2. Allstate. ...
  3. CBIZ. ...
  4. Nationwide. ...
  5. Farmers Insurance. ...
  6. American Modern. ...
  7. American Family Insurance. ...
  8. Erie Insurance.


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These folks are called guests and they can rent a room or an entire accommodation to themselves. If you had a difficult or challenging experience with an Airbnb rental, you're not alone. Airbnb has faced many lawsuits from guests. It could be you got hurt on the property, or maybe the rental was not as promised.

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Document the issue by taking photos or videos, getting repair or cleaning estimates, and/or receipt. Within 14 days of the responsible guest's checkout, request reimbursement from them by starting an AirCover for Hosts request in the Resolution Center. Your guest will have 24 hours to respond to the request.

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Travelers should use Airbnb's resolution center to submit a claim within 60 days of checkout. Through this process, you can request money for incidents related to your Airbnb trip. If you and the host aren't able to come to an agreement within 72 hours, there is an option for Airbnb to mediate the claim.

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Handling guests when things go wrong This helps Airbnb track what's going on between both parties. Start off by getting in touch with your guest and politely asking what happened and if they are willing to pay for damages. This could lead to a resolution that both parties are happy with.

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