What if someone gets hurt in your Airbnb?

Fortunately, you can make a claim for compensation through Airbnb Host Protection Insurance. Airbnb Host Protection Insurance is an insurance policy that Airbnb extends to hosts. The insurance pays out up to $1 million to the injured person when a guest gets hurt during a stay.



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Host liability insurance, a part of AirCover for Hosts, provides Hosts with $1 million in coverage in the rare event you are found legally responsible for a guest getting hurt or their belongings being damaged or stolen while they're staying at your place.

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As a business operator, the homeowner is legally obligated to maintain reasonably safe conditions. As a private individual, however, an Airbnb host may not have the same level of safety expertise that a hotel would. To win an Airbnb injury lawsuit, you need to prove that the property owner was negligent in some way.

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AirCover for guests provides support if your Host cancels within 30 days of check-in, you're unable to check-in, or the listing is significantly different than advertised and your Host can't fix it or you feel unsafe in your Airbnb.

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Need help with your injury claim? Call 866-434-0014. AirBnb has an insurance program called Host Liability Insurance. It covers your bodily injuries and damage to your personal to experience during your stay up to $1 million dollars when homeowners are found legally responsible for guest injuries.

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If you'd like to request a refund before or after your trip, refund requests of any amount can be handled through our Resolution Center. We recommend discussing any refund amounts with your Host through your Airbnb message thread before submitting a request in the Resolution Center.

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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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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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Host damage protection covers you for: Damage to your home, furnishings, valuables, or belongings caused by guests (or their invitees) Damage to parked cars, boats, or other vehicles caused by guests (or their invitees)

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Depending on the nature of the violation, Airbnb may also take other actions, such as canceling an upcoming or active reservation, refunding a guest from a Host's payout, and/or requiring Hosts to provide proof that they have addressed issues before they can resume hosting.

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There is no cost to Hosts for them to be insured under the HLI program. The HLI program does not insure Hosts for damage or loss to their own property or Accommodation. For damage to a Host's property, learn about Airbnb's Host damage protection program.

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Regular home-sharing is considered to be a business activity, and since standard homeowners policies do not cover this, you must add on an endorsement. An Airbnb insurance endorsement may be available through your current insurance company. These cover theft and property damage.

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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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Airbnb may ask you to pay You'll never be charged without advance notice or a chance to appeal before and after you've been charged. You'll have 60 days to appeal after you've been charged. Dealing with damage is never fun, but this process is designed to be as fair as possible.

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The legal action taken will depend on the severity of the damages and the amount of money that is owed. In some cases, Airbnb may file a lawsuit in small claims court, which can result in a judgement against the guest. Airbnb may also report the guest to credit bureaus, which can damage their credit score.

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However, some may try to get away with it. The best way to resolve the issue is to contact the guest through Airbnb (and not some other messaging platform, so you have proof of your conversation), and come to an agreement on how much money you're going to be requesting from them.

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To help provide Hosts and guests with peace of mind, security measures like security cameras and noise monitoring devices are allowed, as long as they are clearly disclosed in the listing description and don't infringe on another person's privacy.

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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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As the owner of a home, apartment, or townhome that you plan to rent out (to mostly unknown individuals), having video surveillance cameras installed can give you a bit of peace of mind that if something were to happen—theft, vandalism, other criminal activity taking place on your property— that solid video evidence ...

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