HOST PROTECTION

Host Protection Insurance

In the rare event someone gets hurt or their property is damaged during a covered stay at your place, you may be protected with up to $1,000,000 USD primary liability insurance. 


In the rare event someone gets hurt or their property is damaged during a covered stay at your place, you may be protected with up to $1,000,000 USD primary liability insurance. 


Available to hosts globally*
Protects hosts from check-in to checkout
Unmatched in the travel industry

*Doesn’t apply to hosts who offer accommodations through Airbnb Travel, LLC, hosts in Japan, or hosts of experiences.

*Doesn’t apply to hosts who offer accommodations through Airbnb Travel, LLC, hosts in Japan, or hosts of experiences.

What's covered?

Host Protection Insurance may cover:

  • Your legal responsibility for bodily injury to guests or others
  • Your legal responsibility for damage to property belonging to guests or others
  • Your legal responsibility for damage to common areas, like building lobbies and neighboring properties, caused by a guest or others

Host Protection Insurance doesn't cover:

  • Damage or injury resulting from something done intentionally (not an accident)
  • Loss of income
  • Damage to your place or belongings (those may be protected by Airbnb’s Host Guarantee)

Host with confidence

We’ve taken extensive measures to help keep you, your home, and your guests safe.

We’ve taken extensive measures to help keep you, your home, and your guests safe.

Identity verification

You can require that your guests go through identity verification before we confirm their booking. Guests may need to submit personal information for Airbnb to verify, like an official government ID.

24/7 support

If something happens to you, your property, or your guests, our global Community Support team is standing by. If you have a question regarding Host Protection Insurance, please contact us and we will direct you to the relevant provider.

House rules

To help set expectations, you can add house rules that guests have to agree to before booking. If a guest breaks one of these rules once they’ve booked, you can cancel the reservation.

Having been a guest before, 
a lot of the concerns were already alleviated. I knew my place would be insured … and 
I knew guests would be respectful.”
Having been a guest before, 
a lot of the concerns were already alleviated. I knew my place would be insured … and 
I knew guests would be respectful.”

Uslan, host in London

Uslan, host in London

Having been a guest before, 
a lot of the concerns were already alleviated. I knew my place would be insured … and 
I knew guests would be respectful.”
Having been a guest before, 
a lot of the concerns were already alleviated. I knew my place would be insured … and 
I knew guests would be respectful.”

Uslan, host in London

Uslan, host in London

We're committed to promoting a safe and trusted and community around the world.

We're committed to promoting a safe and trusted and community around the world.

Tip: Safeguard your home

Minimize incidents by removing trip hazards or marking them clearly. Fix exposed wires, make sure stairs are safe, and remove or lock up dangerous objects. Equip your home with safety essentials like carbon monoxide detectors, smoke detectors, a fire extinguisher, and a first aid kit.

Tip: Safeguard your home

Minimize incidents by removing trip hazards or marking them clearly. Fix exposed wires, make sure stairs are safe, and remove or lock up dangerous objects. Equip your home with safety essentials like carbon monoxide detectors, smoke detectors, a fire extinguisher, and a first aid kit.

The claim process

1. Intake form is completed

When a host, guest, or third party contacts Community Support, Airbnb will provide information on the process of filing a claim.

2. The insurer appoints an adjuster, who then reviews the claim

After the intake form is completed, an adjuster on behalf of the insurance company will get in touch to discuss the claim and gather information.

3. The claim is investigated

The third-party claims adjuster settles the claim in accordance with the terms of the Host Protection Insurance policy and applicable laws and regulations in the applicable jurisdiction.

Host Protection Insurance is subject to certain terms, conditions, and exclusions. 
To learn more, download a comprehensive program summary.

Host Protection Insurance is subject to certain terms, conditions, and exclusions. 
To learn more, download a comprehensive program summary.

Your questions answered

Do I need to do anything to be covered under Host Protection Insurance?

No. All hosts are automatically covered, except those who offer accommodations through Airbnb Travel, LLC.

By agreeing to list a property on Airbnb, or by continuing to list a property on Airbnb, you agree to be covered under Host Protection Insurance for occurrences during Airbnb stays, subject to the policy terms.

If you would like to opt-out of coverage, you must do all of the following:

  • Email us from the email address associated with your host account
  • Include your full name and phone number associated with your host account
  • Include the exact title of your listing

Please note the opt-out email address will not be monitored other than to process opt-out requests.

What is the Airbnb Host Guarantee?

The Airbnb Host Guarantee provides protection for up to $1,000,000 to a host for damages to covered property in the rare event of guest damages above the security deposit or if no security deposit is in place.

The Host Guarantee Program doesn't cover cash and securities, collectibles, rare artwork, jewelry, pets or personal liability. We recommend that hosts secure or remove valuables when renting their place. The program also doesn't cover loss or damage to property due to wear and tear. Learn more

What’s the difference between Airbnb’s Host Guarantee and Host Protection Insurance?

The Host Guarantee and Host Protection Insurance program are two separate programs that Airbnb offers to help cover hosts in the event of damage or injury.

Host Guarantee: Airbnb's Host Guarantee is designed to protect hosts in rare instance of property damage to their own possessions, unit, or home by a guest staying in the space. The Host Guarantee is not insurance and doesn’t replace your homeowner’s or renter’s insurance.

Host Protection Insurance: The Host Protection Insurance program is insurance, and is designed to cover hosts in the event of third-party claims of bodily injury or property damage. The Host Protection Insurance program is available to hosts regardless of their other insurance arrangements, but will only act as primary insurance coverage for incidents related to an Airbnb stay. Learn more

How does homeowner’s insurance work with Airbnb?

Airbnb’s Host Protection Insurance will act as primary insurance and provides liability coverage to hosts and, where applicable, their landlords, subject to certain conditions, limitations, and exclusions.

If you have questions about how this policy interacts with any homeowner’s or renter’s insurance, you should discuss your coverage with your insurance provider. Some policies protect homeowners and renters from certain lawsuits that result from injury to a visitor, while others do not. It’s always a good idea to let your insurance carrier know about rental activity in your space even though liability arising during an Airbnb stay should be covered by the Host Protection Insurance policy. Learn more

What is Experience Protection Insurance?

Experience Protection Insurance is primary liability insurance coverage for Experience hosts’ liability to a third party in the event a guest or other third-party suffers bodily injury or property damage during an experience. The coverage is for up to $1 million USD per experience, and coverage eligibility depends on the type of experience. Guests are subject to a separate $1 million USD aggregate cap during the policy term, and certain conditions, limitations, and exclusions may apply. Learn more

As a host, what should I know about security deposits?

You can require a security deposit for your listing. Airbnb can also require one when we believe it will help protect hosts. This applies to only a small percentage of reservations.

Host-required security deposits: You always have the option to require a security deposit yourself. If you do that, you also determine the security deposit amount. For host-required security deposits, guests don’t pay the deposit when they make the reservation. They will be charged only if you make a claim through our Resolution Center.

Airbnb-required security deposits: We’re always looking for ways to ensure that our community of hosts and guests has great experiences on Airbnb. That's why we may independently require a security deposit for a small number of reservations—even if you don’t require one. This is based on things like the timing of a reservation or the listing’s features. Learn more

Ready to start hosting?

Ready to start hosting?