Airbnb’s insurance policy: What is and isn’t covered?


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UPDATED: 2021-02-12T16:36:24.588Z
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A woman downloads the airbnb app on her iPad

The most popular home-sharing service, Airbnb, offers an insurance program for people who list their accommodations on the site. However, this program, without another insurance policy, leaves Airbnb hosts uninsured for certain damages. And even if you have your own homeowners or renters insurance policy, it may exclude coverage because you're renting your home out through a home-sharing service. So before you list your home on Airbnb or another home-sharing website, it’s important to do your research to learn what is and isn’t covered and what additional insurance you may need to purchase.

What Airbnb’s insurance policy covers

Airbnb’s free Host Protection Insurance provides primary liability coverage, which means it will cover damages before a seperate insurance policy. This liability coverage from Airbnb is for up to $1 million for third-party bodily injury or property damage claims. If a guest slipped stepping out of the shower and injured themselves and filed a lawsuit against the Airbnb host, the Host Protection Insurance would cover the liability claim, in addition to covering any third-party claims. So for instance, if a guest injured themselves while using a public amenity on the host’s property, such as a gym or a swimming pool, the guest should also be covered. Additionally, Airbnb’s insurance policy typically covers any damages the guest causes to the structure of the home.

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What Airbnb’s insurance won’t cover

Although Host Protection Insurance covers damages to the host’s house, it doesn’t protect the host’s personal belongings inside the place of residence. This includes any damaged and/or stolen furniture, clothing or jewelry. In the event a guest steals your own personal property, neither Airbnb or your own homeowners or renters policy would likely cover the loss because policies typically exclude a theft that takes place in the home being used by a paying guest.

If a host’s personal property was harmed in any way, they would have to rely on their renters or homeowners insurance policy in order to be reimbursed — though it may exclude coverage. If an Airbnb host is without another insurance policy, they may find themselves exposed to financial risk and loss of personal property. Furthermore, Airbnb’s Host Protection Insurance won’t cover claims related to:

  • Intentional crimes
  • Loss of earnings
  • Personal and advertising injury
  • Fungi or bacteria
  • Chinese drywall
  • Communicable diseases
  • Acts of terrorism
  • Product liability
  • Pollution
  • Asbestos, lead or silica

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Keep in mind that practically all insurers have a limit on the number of days you may host guests before it’s considered commercial activity and therefore excluded from coverage. It’s important to talk to your insurance company or agent before renting out your home with any home-share service to understand what is and isn’t covered by your personal insurance policy.

Do I need landlord insurance or business insurance?

While it differs by insurance companies, most won’t provide coverage in the event you’re renting out your home multiple times. So if you plan to rent your home through Airbnb or another home-sharing service, you should consult your insurance company or agent to see if you need a landlord or business insurance policy.

Chances are if you’re planning to make some extra money by renting your home or secondary home out on the side, you’ll need to buy extra insurance coverage to be properly protected.

Make sure to check out Clearsurance's rankings page for the best homeowners insurance and renters insurance in your area.

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