What happens if an Airbnb guest burns down your house?

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. 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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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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Airbnb will charge for any damage done to the property or any items in the property by a guest, including physical damage, theft, and vandalism. Airbnb may also charge for any additional cleaning fees that may be required as a result of the guest's stay.

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Yes, you can be charged for damages even if you have a security deposit. Airbnb may choose to charge you for damages that exceed the amount of the security deposit. If the damages are significant, Airbnb may choose to pursue legal action against you.

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Airbnb—Airbnb offers host liability insurance as part of its AirCover for Hosts protection. This policy provides you with up to $1 million of coverage against third-party claims of bodily injury or property damage. AirCover also provides $3 million in coverage for damages to your personal property or the home itself.

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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. 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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Every booking comes with AirCover for guests. If there's a serious issue with your Airbnb that your Host can't resolve, we'll help you find a similar place, depending on availability at comparable pricing.

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Certainly! Airbnb hosts may find themselves in situations where legal action against a guest is considered necessary, such as significant property damage or a breach of agreement. While Airbnb's Host Guarantee program provides some protection, it may not always suffice.

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Airbnb Hosting: 6 Ways to Protect Yourself and Stay Within the Law
  1. Let's Be Real. ...
  2. Airbnb Legal Risks. ...
  3. 1) Check Your City's Laws. ...
  4. 2) Register, Get a Permit or Obtain a License. ...
  5. 3) Pay Your Taxes. ...
  6. 4) Check Subletting is Permitted. ...
  7. 5) Take Out A Robust Insurance Plan. ...
  8. 6) Health and Safety.


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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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Here's how to get reimbursed if damage does happen during a stay:
  1. Document the issue by taking photos or videos, getting repair or cleaning estimates, and/or receipt.
  2. 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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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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Contact Airbnb within 24 hours of guest departure. Provide specific details on what was damaged. Include photos and/or video along with receipts, invoices, written estimates, or links to comparable items denoting actual cash value for repair or replacement. Do not make up a replacement/repair amount yourself.

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Report the problem to Airbnb, which has a platform where neighbors can report problems with noise, trash and safety. Ultimately, you could seek an injunction against her for creating a nuisance, but hopefully it will not come to that.

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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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That being said, they could also ban your account for the following three reasons: Multiple account or listing suspensions. Are in the bottom 1% of overall ratings by guests (Airbnb will give you a chance to improve) You've infringed on Airbnb's Terms of Service.

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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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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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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. You're reimbursed for certain damage caused by guests to your home and belongings if the guest does not pay for the damage.

MORE DETAILS