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Host liability insurance - Airbnb Help Center
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Host liability insurance
Host liability insurance, a part of AirCover for Hosts, provides Hosts with $1 million in
coverage in the rare event you are found legally responsible for a guest getting hurt or
their belongings being damaged or stolen while they're staying at your place. People
who help you host, like Co -Hosts and cleaners, are also included, so you can feel
confident hosting on Airbnb.
Start an AirCover for Hosts liability claim
File a claim if a guest gets hurt or their belongings are damaged.
Go to intake form
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
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The claims process
Host liability insurance - Airbnb Help Center
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_.
Disclaimer: Host liability insurance doesn't cover Hosts who offer stays through Airbnb Travel,
LLC; Hosts of Experiences; or Hosts who offer stays in Japan. For Hosts who offered stays or
experiences in mainland China, the China Host Protection Plan applies. Keep in mind that all
coverage limits are shown in USD, and that there are other terms, conditions, and exclusions. If
you're hosting in the UK, the Host liability insurance policy is underwritten by Zurich Insurance,
and is arranged and concluded at no additional cost for UK Hosts by Airbnb UK Services
Limited —an appointed representative of Aon UK Limited, authorized and regulated by the
Financial Conduct Authority. Aon's FCA register number is 310451. You can check this on the
Financial Services Register by visiting the FCA's website or contacting the FCA on 0800111
6768. Host damage protection isn't related to Host liability insurance. Insurance products
arranged by Airbnb UK Services in the UK are regulated products. FP.AFF.4171C If you're
hosting in the EU, you can access the full details of the insurance intermediary here.
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7/21/23, 12:42 PM
Host liability insurance - Airbnb Help Center
This article is part of Getting -protected through AirCover for Hosts, a guide about
damage and liability coverage.
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