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What is Airbnb insurance about? We explain how it benefits the hosts.

Airbnb insurance


It has been shown that Airbnb rentals are often even much more effective than staying in a hotel, and it is even cheaper for the guest, and at the same time it constitutes an extra income for those who decide to dedicate themselves to seasonal rentals.

Airbnb Challenges

But entering this world of Airbnb brings its challenges and challenges, not everything is rosy, there are multiple aspects that must be anticipated before receiving an Airbnb client in your accommodation.

When you invite an Airbnb guest into your home, there is a possibility that they will be injured. The guest can choose to sue you or your landlord (depending on the case) for damages. This could result in an expensive, painful, and frustrating situation for you as the host. On the other hand, it is possible that a guest could damage something in your home. If it’s just something small like spilled wine on a carpet or a scratch on the wall, you can usually resolve the issue privately with your guest, but what if it’s major damage that can’t be channeled privately or through Airbnb, at These cases will require insurance.

Airbnb Insurance Coverage

Divided into three different categories, all of which cover different situations that a host may encounter:

Host guarantee

The Host Guarantee protects hosts against any damage to their home that results from a guest staying there. Provides up to $ 1 million of property damage protection on every Airbnb listing in every country. Coverage protects all rooms and possessions in the home or unit for as long as a guest stays there. The Host Guarantee does not cover damage to shared or common areas of the building that are not part of the actual Airbnb listing. For example, if a guest breaks a mirror in the lobby of your apartment building, the Host Guarantee will not cover it.

Host Protection Insurance

This policy provides Airbnb hosts with up to $ 1 million in liability protection against third-party claims for bodily injury or property damage involving an Airbnb stay, and protects you from lawsuits by your landlord or neighbor. in the event a guest causes damage to their apartment building or their guest’s property.

Experience Protection Insurance

This coverage is very similar to Host Protection Insurance, except that it covers anyone who leads Airbnb Experiences. If you’re unfamiliar with Airbnb experiences, they are a way for locals to provide visitors with interesting local experiences. This could be anything from a walking tour to a bar tour to a cooking class. Experiences are a way for locals to earn money through Airbnb without having to take guests home. And they provide visitors with a way to not only stay in a city, but also experience it through the eyes of a local.

Important aspects to consider about this Airbnb insurance

1.- It does not affect the insurance policy that the owner or tenant may have.

2.- The Host or owner of the property should not additionally subscribe to anything, when he publishes his home he accepts the conditions of Airbnb, including the insurance it provides.

3.- It does not have any additional charge.

4.- These insurances cover all countries with some variants depending on the country.


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