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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

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 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.