AirCover for Hosts: How does Airbnb support the hosts by damage protection and l

Hello!

 
Today, we’re going to take a look at AirCover, a service provided by Airbnb to support hosts.

What if a guest severely damages property inside your listing?

You should receive compensation, of course. However, since the guest is still a customer, it may feel burdensome to confront them in a one-on-one conversation. Even if you try to start a conversation through the messaging feature, the guest might not respond.
That’s where Airbnb steps in to mediate. If a host reports an issue through Airbnb within 14 days after the guest checks out, Airbnb will first review the case. If the claim is valid, Airbnb will request compensation from the guest. However, if the guest does not respond within 24 hours, Airbnb will compensate the host directly—up to $3 million USD.

What if a guest gets injured at your listing and raises a claim?

This can also be a stressful situation for hosts. However, Airbnb provides Host Liability Insurance, which covers guest injuries up to $1 million USD.
 
Airbnb supports the following items:

▶ Guest Identity Verification

✔ Comprehensive security checks on guest details, including name, address, and government-issued ID.
✔ Ensures only verified guests can book on Airbnb.

▶ Reservation Screening

✔ Advanced AI technology analyzes hundreds of risk factors in each booking.
✔ Blocks high-risk reservations to help prevent disruptive parties and property damage.

▶ $3M Host Damage Protection

If a guest damages your home or belongings and refuses to pay, AirCover for Hosts has you covered—up to $3 million USD. Specialized protections include:

🖼 Art & Valuables – Get reimbursed for damage to artwork and valuables.
🚗 Auto & Boat – Coverage for damage to cars, boats, and other watercraft stored at your home.
🐾 Pet Damage – Protection against damage caused by a guest’s pet.
💰 Income Loss – Compensation for lost income if guest damage forces you to cancel upcoming reservations.
🧼 Deep Cleaning – Reimbursement for extra cleaning services, including stain removal and smoke odor elimination.

▶ $1M Host Liability Insurance

✔ Covers hosts in the rare case of guest injury or stolen/damaged belongings.

▶ 24/7 Safety Support Line

✔ Instant access to trained safety specialists—anytime, day or night.
✔ One-tap support directly in the Airbnb app if you ever feel unsafe.
 
 

🔍 Check out the below complete details on AirCover for Hosts, including any exclusions that apply:

Airbnb's industry-leading Host protection program has evolved over the years. Now known as AirCover for Hosts, the program includes guest identity verification, reservation screening, $3M Host damage protection, $1M Host liability insurance, $1M Experiences liability insurance, and a 24-hour safety line. If you're not familiar with AirCover for Hosts, you can visit our Help Center for answers to most questions.

Host damage protection protects your place and belongings every time you host on Airbnb. Like any kind of protection program, it has a few terms, conditions, and exclusions. Host damage protection isn't an insurance policy, and not all damage is included within its terms—so we suggest you also purchase personal insurance for any property damage caused by guests that we don't protect. With Host damage protection, Airbnb will reimburse you for certain damages caused by guests to your home and belongings if the guest does not pay for those damages. Host damage protection is also different from our Host liability insurance—you'll learn more about that in the next section. Lastly, please note that all limits shown are in USD. Any conversion from USD to other currencies is calculated on the date the reimbursement request is paid.

Host liability insurance protects you in the unlikely event that you're found legally responsible for a guest being hurt or their property being damaged or stolen during an Airbnb stay at your place. It is underwritten by third party insurers and also comes with some terms, conditions, and exclusions, which you can learn more about in the comprehensive program summary. Please note that all limits shown are in USD. Any conversion from USD to other currencies is calculated on the date the claim is paid by the insurer.

Experiences liability insurance protects you if you're found legally responsible for a guest being hurt or their property being damaged or stolen while you're hosting them during an Airbnb Experience. This only applies to Experiences, so Hosts of stays aren't included in this coverage. You can learn about any specific terms, conditions, exclusions, and details of the third party insurers in the comprehensive program summary. Again, all amounts shown are in USD. Any conversion from USD to other currencies is calculated on the date the claim is paid by the insurer.

If you're a Host who had stays or Experiences in mainland China, a Host of stays in Japan, or an Experiences Host in Japan, you have your own protection program, as the Host damage protection, Host liability insurance, and Experiences liability insurance don't apply to you. Hosts who offer accommodations through Airbnb Travel, LLC and Adventures Hosts are also not covered by these programs.

For listings in Washington state, US, Airbnb's contractual obligations for Host damage protection are covered by an insurance policy purchased by Airbnb, which does not change the contractual responsibilities of Hosts and guests under the Host damage protection Terms, Airbnb Terms of Service, or the Airbnb Payments of Service.

If you're hosting stays or Experiences in the UK, the Host liability insurance policy and the Experiences liability insurance policy are underwritten by Zurich Insurance Company Ltd., and arranged and concluded at no additional cost for UK Hosts by Airbnb UK Services Limited—an appointed representative of Aon UK Limited, which is authorised and regulated by the Financial Conduct Authority. Aon's FCA register number is 310451. You can check this on the Financial Services Register by visiting the FCA's website or contacting the FCA at +44 0800 111 6768. The Host Liability and Experience Liability policies within Aircover for Hosts are regulated by the Financial Conduct Authority, the remaining products and services are not regulated products arranged by Airbnb UK Services Limited. FP AFF 614 LC

Guest identity verification, reservation screening and the 24-hour safety line are tools or features used by Airbnb to help verify guest identities, screen reservations for potential party and property damage risk, and provide access to Airbnb's 24-hour safety line. These features aren't insurance policies or guaranteed to prevent incidents. Guest identity verification is required for guests traveling to 35 countries. Government identification may not be collected in all cases - visit our Help Center for more information. Reservation screening using machine learning is designed to redirect reservations that may have a higher risk of being associated with a potential party and property damage. This feature is currently available in the US, Canada, and Australia, with the goal of expanding to global coverage (where feasible and legally permissible). Visit our Help Center for more information.

 
Hope it helped, thank you!