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Host Protection Insurance

We’re there for you when accidents happen.

Primary protection

The Host Protection Insurance programme now provides primary coverage for Airbnb hosts and landlords, as additional insureds, in over 15 countries. Our programme protects against liability claims up to $1 million USD that occur in a listing, or on an Airbnb property, during a stay.

Protection against the unexpected

Though over 60 million guests have had safe, positive experiences staying on Airbnb, it’s best to be prepared when the unexpected occurs. Our Host Protection Insurance programme provides you peace of mind, protecting you against third party claims of property damage or bodily injury up to $1 million.

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Host Protection Coverage

What does the Host Protection Insurance programme cover?

  • The Host Protection Insurance programme provides primary liability coverage for up to $1 million per occurrence in the event of third party claims of bodily injury or property damage. This coverage is also subject to a $1 million cap per listing location and certain conditions, limitations, and exclusions may apply. For more information, please visit our Help Center.
  • The Host Protection Insurance programme covers landlords and homeowners associations in many cases when claims are brought against them because a guest suffers injury during a stay. For examples of what’s covered and what’s not, please visit our Help Center.
  • The Host Protection Insurance programme may also cover claims if a guest damages building property. This often includes claims filed by a landlord against a host. For examples of what’s covered and what’s not, please visit our Help Center.
  • The Host Protection Insurance programme can now serve as your primary coverage for eligible claims filed as a result of Airbnb stays. Landlords are covered only if Airbnb and/or the host is also a party to the claim.
  • Download HPI Programme Summary.pdf

What’s not covered by the Host Protection Insurance programme?

  • The Host Protection Insurance programme does not apply to liability arising from (1) Intentional Acts including: (i) Assault and Battery or (ii) Sexual Abuse or Molestation - (by the host or any other insured party), (2) Loss of Earnings, (3) Personal and Advertising Injury, (4) Fungi or Bacteria, (5) Chinese Drywall, (6) Communicable Diseases (7) Acts of Terrorism, (8) Product Liability, (9) Pollution and (10) Asbestos, Lead or Silica.
  • If you’d like more details on what’s covered and what’s not, please contact us.

The Host Protection Insurance programme is currently available for hosts in the Australia, Austria, Belgium, Canada, China, Croatia, Czech Republic, Finland, France, Germany, Hungary, India, Ireland, Israel, Italy, Japan, The Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, South Africa, Sweden, United Kingdom and United States.

File a Claim

If you would like to file a claim under the Host Protection Insurance programme, please contact us at www.airbnb.com.au/contact and we will route you to our third party claims administrator.

Common Questions

How does the Host Protection Insurance programme work?

The Host Protection Insurance programme provides coverage through a policy issued by certain underwriters at Lloyd’s of London, and Zurich Insurance plc, two of the world’s most reputable insurance providers. In some jurisdictions, where a locally issued policy is required, coverage may be provided by a Zurich partner company.

When someone makes a claim against a host, a claim adjuster will administer and resolve the claim in accordance with policies agreed to with Airbnb.

Do I need to do anything to be covered under the Host Protection Insurance Programme?

By agreeing to list a property, or continuing to list a property, on Airbnb you agree to be covered under the Host Protection Insurance programme for occurrences during Airbnb stays, subject to the policy terms.

What should I do before notifying Airbnb of a claim?

The Host Protection Insurance programme went into effect in the United States starting January 15, 2015. Effective October 22, 2015, it is being expanded into additional countries and the programme now provides primary coverage. If you have questions about how the Host Protection Insurance programme works, please visit our Help Center.

How does the Host Protection Insurance programme work with my existing homeowner's or renter's insurance?

The Host Protection Insurance programme will act as primary coverage for eligible losses.

How is this different than Airbnb's Host Guarantee?

Airbnb's Host Guarantee programme is designed to protect hosts against damages to their own possessions or unit in the rare instance of property damage by their guests in listings. For more on the Host Guarantee, visit www.airbnb.com.au/guarantee.

Conversely, the Host Protection Insurance programme is designed to protect hosts against third party claims of bodily injury or property damage. For examples of situations where the Host Protection Insurance programme may apply, please visit our Help Center.

How is this different than a security deposit?

Security deposits help cover accidents that occur during a reservation, like spilt wine on the rug, a broken window, or an unreturned key. For more on security deposits, please visit our Help Center.