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What is AirCover for Hosts?
AirCover for Hosts is a comprehensive program automatically included for hosts listing properties on Airbnb. It provides several key protections, including up to $3 million in Host Damage Protection for guest-caused damages and $1 million in Host Liability Insurance (as of early 2026).
It also includes features like booking income protection and a 24-hour safety line. This program is offered at no extra cost and is designed to provide hosts with greater confidence and financial security when renting out their space.
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How it works
When damage occurs during a stay, the host first requests reimbursement from the guest via Airbnb's Resolution Center. If the guest doesn't pay, the host can then submit a claim under AirCover for Hosts, providing evidence like photos, videos, and cost estimates.
The claim is then reviewed by Airbnb's support team. For liability claims, the process is managed through Airbnb's third-party insurance carrier.
The program also features a 24-hour safety line for urgent issues and booking income protection for certain cancellations outside the host's control.
Why it matters
AirCover for Hosts is significant because it provides a built-in layer of security that can reduce a host's reliance on separate, often costly, short-term rental insurance policies. This integrated protection simplifies the claims process for common issues like property damage and enhances trust in the Airbnb platform.
For property managers and owners, it represents a key benefit of using Airbnb as a distribution channel, streamlining risk management for their listings.
Examples
- A guest's child draws on a wall with permanent marker. After the guest declines to pay for the repair, the host submits a reimbursement request with photos and a painter's quote through AirCover for Hosts.
- During a pool party that violates house rules, guests damage the pool filter system. The host documents the damage and files a claim to cover the repair costs under the Host Damage Protection.
- A guest slips on a wet floor inside the rental and sustains an injury, deciding to sue the host for medical expenses. The host is covered by the Host Liability Insurance portion of the program.
- A guest brings an unauthorized pet that chews on the legs of a vintage coffee table. The host is able to request compensation for the damage under AirCover for Hosts.
Official resources and references
Frequently asked questions
Is AirCover for Hosts a replacement for homeowner's or landlord insurance?+
How much does AirCover for Hosts cost?+
What is the difference between Host Damage Protection and a security deposit?+
What types of damage are covered?+
Related terms
Airbnb
Airbnb is a globally recognized online marketplace that connects people who want to rent out their properties (hosts) with travelers seeking accommodations…
Damage Protection
Damage protection is a product, often in the form of an insurance policy or a waiver, that covers the cost of accidental damage caused by guests, serving as an…
Short-Term Rental Insurance
Short-term rental insurance is a specialized insurance product designed to cover the unique risks associated with renting out a property to guests for brief…
Security Deposit
A refundable sum collected from a guest before check-in to cover potential damages, excessive cleaning, or rule violations during their stay.