A Helpful Guide to Airbnb Aircover for Hosts

April 5, 2023

Airbnb Aircover for Hosts is free insurance policy provided by Airbnb and its insurance partners. Airbnb Aircover for Hosts provides coverage to hosts who rent out their homes or properties to guests. Airbnb Aircover is automatically provided to hosts, though they can opt to have additional insurance coverage through their own insurance companies. Guests are granted additional protections through a separate Airbnb Aircover for Guests program.  

What Is Covered Under Airbnb Aircover?

The program offers a range of benefits, including liability insurance, damage protection, income loss coverage, and Airbnb support throughout the process of filing a claim. Let's look at a few specific areas of coverage under Airbnb Aircover policy in more depth so that you know exactly what would be covered as a host.

Host Liability Insurance

Host liability insurance covers damage to personal property or bodily injury that a guest may experience during their stay in your rental.

For example, if a guest slips and falls in the bathroom of your vacation rental and suffers injuries, you could be held liable for their medical expenses and other damages. If you have host liability insurance, this policy will cover the costs associated with the guest's injuries up to the policy limit.

Liability insurance also protects you, the host, from financial losses resulting from damage to a guest's property because of negligence — for example, if a guest's belongings are damaged because of a leak or something else that was preventable.

It's important to note that host liability insurance policies typically have caps on coverage per occurrence. Airbnb Aircover for Hosts provides up to $1 million of liability insurance coverage.

Liability insurance provides peace of mind knowing you're protected against financial losses resulting from a guest's injury or damage to their property during their stay.

Host Damage Protection

Accidents happen, and even the most trustworthy guests can cause unintentional property damage, whether it's a spilled glass of wine on the carpet or a broken window. Host damage protection covers accidental damage that a guest may cause to your property during their stay. As a property manager, this policy covers a range of incidents that may occur during a guest's stay, including accidental damage to your property caused by a guest, such as broken furniture, stained carpets, or damaged appliances.

Aircover for Hosts damage protection covers up to $3 million. In addition to the standard coverage, Airbnb offers protection for certain types of damage.

Art and Valuables Coverage

Adorning spaces with art and valuables is common place for Airbnb hosts and can set spaces apart when guests are deciding where to stay. Unfortunately, having these items out does put them at risk of accidental damage. If a guest damages valuable artwork or other valuable items in your home, Airbnb will pay to restore or replace the damaged items if possible or will reimburse you for the cost of the item. These could include paintings, sculptures, rugs, antiques, and other rare, valuable, or historically significant items.

Auto and Boat Protection

When vehicles are parked at your home or rental unit, there are inherent risks. If a guest damages cars, trucks, boats, or other watercraft stored at the rental property, you're covered under the damage protection policy.

Income Loss Coverage

Income loss coverage provides coverage for lost income if your property is damaged or uninhabitable due to a covered loss. This coverage is essential because if your property is damaged, you may lose income, as you may need to keep the rental space free of guests while repairs are made. Income loss coverage provides up to $10,000 in coverage.

Deep Cleaning Protection

Deep cleaning protection provides coverage for additional or excessive cleaning required after a guest's stay that would not be covered under regular cleaning fees. This coverage is essential because some guests may leave your property in less-than-clean condition. Deep cleaning cost protection provides up to $1,000 in coverage.

Pet Damage Protection

Pet damage protection provides coverage for accidental damage that a guest's pet may cause to your property, such as chewing on a couch or scratching on the baseboard, during their stay. This coverage is essential because even the most well-behaved pets can cause accidental damage if they are anxious or scared while away from home.

In addition to the above protections, Airbnb Aircover for Hosts also offers guest identity verification, reservation screening, and a 24-hour safety hotline.  

How To Submit a Claim

Airbnb Aircover for Hosts is an essential program for hosts who want to protect themselves and their properties from unexpected events. It provides coverage for liability insurance, damage protection, income loss coverage, deep cleaning protection, and pet damage protection. If you need to submit a claim, it's essential to follow the steps outlined by Airbnb to ensure that you receive the coverage you need.

If you need to file an insurance claim under Airbnb Aircover, here are the steps to follow:

  1. Report the incident to Airbnb within 14 days of the guest's departure. You can do this by logging into your Airbnb account and clicking on the "Resolution Center" tab.
  2. Provide evidence of the damage or incident. This can include photos, receipts, and any other documentation that supports your claim.
  3. Cooperate with Airbnb's investigation of the claim. This may include providing additional information or allowing an inspection of your property.
  4. If approved, Airbnb will provide compensation for the damages up to the coverage limit.

The Perfect Technology for Property Managers

Now that you know that Airbnb Aircover for Hosts provides peace of mind if something unexpected happens, you can focus on providing your guests with a great experience. To make your life as a rental host even smoother, incorporate the property management software Tidy into your business.

TIDY easily integrates with top platforms in the rental and hospitality industry to help you manage bookings, schedule cleaners, communicate with tenants, and track expenses. With TIDY, you can say goodbye to days of juggling several interfaces and have everything you need to provide your guests with a top notch experience right at your fingertips.

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