FAQs
Using your residence as a business typically won't be covered by your home or condo insurance policy, even if it's just temporary or a one-time thing. Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.
Do I need extra insurance for my Airbnb? ›
Do Airbnb hosts need extra insurance? While Airbnb does offer its own form of coverage, it recommends that hosts carry additional coverage in the form of an endorsem*nt or commercial policy. If you are using another platform, such as VRBO, this is something you'll want to research before you list your property.
How much is host liability insurance for Airbnb? ›
About Host liability insurance
There is no cost to Hosts for them to be insured under the HLI program. The HLI program does not insure Hosts for damage or loss to their own property or Accommodation. For damage to a Host's property, learn about Airbnb's Host damage protection program.
Are Airbnb guests insured? ›
AirCover for guests is provided for free with every booking, while travel insurance for guests in the EU and UK, travel insurance for guests in the US, or reservation insurance (for guests in FR) can be purchased separately during checkout.
Are Airbnb owners insured? ›
The HLI program provides insurance that covers Hosts for their legal liability to a guest or third party for bodily injury or property damage due to an incident that occurs during a guest's Airbnb Stay at the Host's Accommodation.
Will my homeowners insurance cover Airbnb? ›
Most homeowners policies do not cover short-term rentals. As a result, you'll need to obtain coverage through Airbnb, a separate policy, or a rider added to your existing policy.
What happens if a guest damages Airbnb? ›
Host damage protection, part of AirCover for Hosts, reimburses Hosts up to $3 million in the rare event your place or belongings are damaged by a guest during an Airbnb stay. You're reimbursed for certain damage caused by guests to your home and belongings if the guest does not pay for the damage.
How do I protect myself as an Airbnb guest? ›
Always communicate and pay on Airbnb
Keep yourself, your payment, and your personal information safe by staying on our secure platform throughout the entire process—from communication to booking and payment. You should never be asked to wire money, provide credit card information, or otherwise pay a Host directly.
What are Airbnb hosts liable for? ›
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.
What percentage does Airbnb take? ›
How much does Airbnb charge hosts? Airbnb charges hosts a service fee for each booking. What percentage Airbnb takes can vary, but it's typically around 3% for most hosts. However, Airbnb's commission can go up to 14% or more for hosts who have a Super Strict cancellation policy.
As a vacation rental owner, a big concern is guest injuries or fatalities on your property. Even if you weren't present on the property at the time of the incident, you could still be held legally responsible for the accident. And the medical bills can add up quickly.
Do Airbnb owners get sued? ›
Frequently, injured guests only consider holding the property host legally liable, but the Airbnb company can be held liable as well. Though Airbnb requires its hosts to have homeowners insurance if they want to list a property, you can sue the company for failing to provide renters with a safe space.
What protection do you have with Airbnb? ›
AirCover for guests provides support if your Host cancels within 30 days of check-in, you're unable to check in or the listing is significantly different than advertised and your Host can't fix it or you feel unsafe in your Airbnb.
Do you need insurance to host an Airbnb experience? ›
No opt-in required
AirCover for Hosts and its benefits are always included and always free. By simply agreeing to host or continuing to host an Experience, you are automatically covered whenever you host an Airbnb Experience.
Are you insured through Airbnb? ›
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.
How do I avoid extra fees on Airbnb? ›
How Do You Avoid Airbnb Fees?
- book direct.
- use another booking platform.
- stay at a hotel.
These fees are designed to cover the operational costs of the platform and provide services such as customer support, secure payment processing, and the development of new features. As a host, understanding these fees is crucial as they directly impact your revenue and profitability.
