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Experiences 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 during an Airbnb Experience. People who help you host, like Co-Hosts, 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 or stolen.

Go to intake form

What's covered

Experiences 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)

You’re also covered while you’re preparing an area for an Experience or cleaning it up afterward, as well as when you’re hosting an Online Experience.

Experiences liability insurance doesn't cover:

• Damage or injury to a guest resulting from something done intentionally
• Damage, loss, or theft to your personal property
• Experiences involving aircraft or certain types of extreme activities (like bungee jumping)
• Online-related risks such as defamation, theft of electronic data, or infringement of intellectual property rights
• Other exclusions apply

The claims process

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 host or continuing to host an Experience, you are automatically covered whenever you host an Airbnb Experience. 

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 Experiences liability insurance, go to the comprehensive program summary.