How do I protect my home as an Airbnb host?

Airbnb recommends that hosts have enough insurance that will cover damages caused by guests. They will also provide additional cover for damage and theft. For some, this is a secondary insurance option. So, as an Airbnb host, ensure you arrange your own home insurance coverage.



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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.

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One of the biggest risks of Airbnb hosts is worrying about whether their guests will damage their property. While you can do your best to vet out potential guests and maintain house rules to reduce the chances of damage, you can't control everything.

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One of the greatest risks is that guests will sue you because they're injured, they become ill or their property is damaged in your home. Despite taking every precaution to make your home safe, you can't predict everything. And even if a lawsuit is baseless, defending yourself can be expensive and time-consuming.

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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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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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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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What to Do Before You Start Your Airbnb Hosting Journey
  • Find the best location.
  • Research your competition.
  • Learn short-term rental laws and regulations.
  • Consider fees and estimate expenses.
  • Research your target audience.
  • Draw up your business plan.
  • Get vacation rental insurance.
  • Furnish your rental.


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By hosting on Airbnb, you agree to abide by our terms and policies, including our Terms of Service, which we reserve the right to enforce at our sole discretion. In the event of repeated or severe violations, we may suspend or permanently deactivate a person's account.

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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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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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It is up to the discretion of each host to determine whether or not to charge a cleaning fee, although it is worth noting that the charging of a cleaning fee is a common practice on Airbnb. However, some hosts prefer not to charge a cleaning fee and instead add the fee to their overall nightly price.

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Contact the police and file a report If you plan to file a claim for items lost and want to seek other types of compensation, it is very important that you file a report with the local police. Without this, Airbnb, the hosts, and other related insurance agencies will not be able to help you with your claim.

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Experiences liability insurance covers you if you're found legally responsible for: Bodily injury to a guest (or others) Damage to or theft of property belonging to a guest (or others)

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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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When repeated or severe violations of these ground rules are reported, guests may also be suspended or removed from our community. In addition to standard house rules covered in these ground rules, Hosts can also add a written set of additional rules to their listing page.

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Ask for a refund: If you need to request a refund because of the issue, there's a higher chance your Host will accept your request if you can agree on an amount first. Send a request to your Host for the refund in the Resolution Center and provide the details of the issue along with the photos or video.

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There are ways to minimize the chance of getting sued: Use vacation rental insurance, screen your guests, ensure your property is safe and secure, and set up an LLC. Airbnb policy includes many disclaimers and exemptions, which is why you should consider a specialist short-term rental insurance you can trust.

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Airbnb may limit, suspend, or deactivate your account, as outlined in our Terms of Service. Your account may be deactivated during a review of Airbnb accounts.

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A guest can be banned from Airbnb for various reasons, including but not limited to: violating Airbnb's terms of service, damaging a property, inappropriate behavior, or negative reviews from other guests. Airbnb may also take action if a guest has received multiple complaints from hosts or other guests.

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