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  Chris Catulle

  Google Verified 4 years ago

  Airbnb® Host Insurance
  
  Airbnb offers Host Protection Insurance which covers Airbnb hosts as well as property owners worldwide. It largely focuses on shielding the host and/or property owner facing liability when cases are brought by third parties, such as a neighbor and including guests that remain at the property. Coverage runs up to $1 million USD per occurrence in the event of property damages or injury.
  
  Provided in the insurance coverage are common spots like lobbies or elevators. Airbnb insurance is primary liability insurance that safeguards the host, property owner or homeowners association from claims brought by a visitor to cover points like damage to the building or an injury suffered during their stay in the home. There are numerous things, however, that are not protected by Airbnb insurance.
  
  The Airbnb Host Protection plan is just for liability as stated above. It does not include points such as building damage that is deliberate, instead of unintentional. Nor does it protect property damages such as mold or pollution. And it likewise does not cover loss of income. So picture if a flood or fire takes place during a visitor's visit and you are not able to rent out the room until mitigation is finished. Not having insurance coverage to compensate you for both damages to the home or loss of earnings can be devastating to your revenue.