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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. Learn more about the differences between the two below.

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.

Learn more about our Host Guarantee.

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 about Host Protection Insurance.

Examples of coverage

Here's an example to help show how the coverages offered by the Host Guarantee and Host Protection Insurance program differ:

  • During a stay in a covered country, a guest accidentally breaks the toilet and the host’s bathroom floods. The living room of the neighbor’s apartment also floods. The neighbor or landlord brings a claim against the host for damages to the living room.

In this example, damage to the host’s bathroom could be covered by the Host Guarantee, since the property belonged to the host. Damage to the neighbor’s living room could be covered by the Host Protection Insurance program, since a claim is being brought against the host by the neighbor or landlord for liability.