Is Airbnb Host Insurance Enough?

Do you need different insurance for Airbnb?


All hosts are automatically covered, except those who offer accommodation through Airbnb Travel, LLC.

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

What percentage does Airbnb take from the host?

3 percentAirbnb charges hosts a 3 percent fee that covers the cost of processing payments. HomeAway, which owns, charges hosts for listing their homes on the site. People planning to use the site regularly can pay $349 annually to advertise their property and are not charged a commission for each booking.

How does homeowners insurance work with Airbnb?

Airbnb’s Host Protection Insurance will act as primary insurance and provides liability coverage to hosts and, where applicable, their landlords, subject to certain conditions, limitations, and exclusions. Airbnb’s Host Guarantee is a property damage protection program. …

What happens if someone gets hurt in your Airbnb?

The Airbnb Host Guarantee protects the host when a guest causes property damage. If you’re an injured guest, or if you have a guest that gets hurt while staying at an Airbnb, you make a claim through Airbnb Host Protection Insurance.

What insurance company covers Airbnb?

Proper Insurance is a vacation host protection insurance provider that offers comprehensive coverage for both liability and property damage for hosts utilizing Airbnb to rent out their homes.