Airbnb- Do I Need Insurance for Hosting?

All hosts are automatically protected by Airbnb’s free Host Protection Insurance, and you don’t even have to do anything special to sign up for it! It acts as primary insurance and provides liability insurance for hosts, and when applicable, their landlords, subject to certain conditions, limitations, and exclusions.

If you want clarification on how this policy works with any homeowner’s or renter’s policy, you should discuss your coverage with your insurance provider. Some policies safeguard homeowners and renters from certain lawsuits like injury to a visitor, but others do not offer this protection. Airbnb recommends letting your insurance provider know about rental activity in your space even though any liability that arises during an Airbnb stay is covered by the Airbnb Host Protection Insurance policy.

According to Airbnb’s website, the following situations are covered by the Host Protection Insurance policy covers:

  • The Host Protection Insurance program provides primary liability coverage for up to $1 million per occurrence in the event of third party claims of bodily injury or property damage. This coverage is also subject to a $1 million cap per listing location and certain conditions, limitations, and exclusions may apply.
  • The Host Protection Insurance program covers landlords and homeowners associations in many cases when claims are brought against them because a guest suffers injury during a stay.
  • The Host Protection Insurance program may also cover claims if a guest damages building property. This often includes claims filed by a landlord against a host.
  • The Host Protection Insurance program can now serve as your primary coverage for eligible claims filed as a result of Airbnb stays. Landlords are covered only if Airbnb and/or the host is also a party to the claim.

But NOT:

  • The Host Protection Insurance program does not apply to liability arising from (1) Intentional Acts including: (i) Assault and Battery or (ii) Sexual Abuse or Molestation – (by the host or any other insured party), (2) Loss of Earnings, (3) Personal and Advertising Injury, (4) Fungi or Bacteria, (5) Chinese Drywall, (6) Communicable Diseases (7) Acts of Terrorism, (8) Product Liability, (9) Pollution and (10) Asbestos, Lead or Silica.

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Image By Corey Coyle, CC BY 3.0,


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