Airbnb increases liability insurance offering for hosts in 15 countries
Airbnb has given its Home Protection Insurance programme a makeover, increasing its liability insurance coverage in an effort to attract new hosts to the short-term rental service. The company announced yesterday that its insurance programme, which offers up to $1m in liability protection, has been upgraded from secondary insurance to a primary programme and is now available to nearly 1 million hosts in 15 countries, regardless of other insurance coverage the host may already carry. The expansion is expected to persuade people who were thinking of signing up to be a host but were reluctant due to liability concerns.

What's covered

Host 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)

Damage caused by a guest (or others) to common areas, like building lobbies and nearby properties

Host liability insurance doesn't cover:

Damage or injury resulting from something done intentionally

Damage to your place or belongings caused by a guest (that’s covered by Host damage protection)

Other exclusions apply

The claims process

If you need to file a claim, just fill out our liability insurance intake form. The info will be sent to our trusted third-party insurer, who will assign your claim to a representative. They’ll resolve your claim according to the terms of the insurance policy.



No opt-in required

AirCover for Hosts and its benefits are always included and always free. 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.

If you want to opt out

Email us from the email address associated with your Host account. Be sure to include the exact title of your listing, your full name, and the phone number associated with your Host account.

The email link above is only for opting out.

Please note that Hosts in the UK can’t opt out of this free liability insurance.

To learn more about Host liability insurance, go to the comprehensive program summary.