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Airbnb Rental Insurance

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Airbnb Rental Insurance

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Airbnb® Insurance Policy

Airbnb provides Host Protection Insurance which covers Airbnb hosts and even landlords worldwide. It largely focuses on securing the host and/or property owner against responsibility when cases are brought by third parties, like a neighbor and including visitors that remain at the property. Protection runs up to $1 million USD per incident in the event of building damage or personal injury.

Included in the insurance policy are common areas like entrance halls or elevators. Airbnb insurance coverage is mainly liability insurance that shields the host, landlord or homeowners association from lawsuits brought by a guest to cover points like damage to the building or an injury suffered throughout their vacation in the house. There are several things, however, that are not covered by Airbnb insurance.

The Airbnb Host Protection plan is only for liability as mentioned above. It does not consist of things such as property damage that is willful, instead of accidental. Nor does it cover property damage such as mold or air pollution. And it also does not cover loss of earnings. So think of if a flood or fire happens throughout a visitor's stay and you are unable to rent out the room until mitigation is complete. Not having coverage to compensate you for both damages to the building or loss of earnings can be devastating to your income.


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