Airbnb Host Protection

Airbnb offers host protection for those that rent out their properties to others looking for short-term rentals. This policy helps add up to $1,000,000 in coverage for certain problems that you and your guest may have during their stay. However, it is only there to help with certain problems, not even most of them.

Did you know that your Airbnb host protection package has numerous exceptions it will not cover, should something go wrong? With these, you won’t have any liability coverage at all. If your guests were to injure themselves on your property, whether purposely or accidentally, you’ll be held responsible to defend yourself and/or pay for their injuries.

Keeping Your Property Safe is Your Responsibility

If you truly want to be able to keep your rental property safely covered if something goes wrong, then you need to get covered under a specific Airbnb insurance policy that goes above and beyond the Host Protection that you can get from Airbnb. Proper Insurance helps cover your home from damage and protect you from liability should things go wrong. Protect your income and your property with a Proper policy today.

Airbnb’s Liability Coverage Leaves You Exposed

If you’re renting out your home on Airbnb, you’ve likely seen their free liability coverage known as Host Protection. Unfortunately, this coverage is not comprehensive and won’t protect you from serious liability issues like assault. Whether you rent out your property once a year for some side income or you’re a serious property rental manager, adequate coverage is critical. Protect your home and finances by signing up for Proper Insurance today.

Airbnb® Host Protection Insurance Only Covers the Basics

Relying on only an Airbnb host protection insurance is not a gamble any homeowner renting their property should make. There are many gaps in this insurance plan that could leave you facing a significant bill. In fact, it is nothing more than a backup plan in certain circumstances. If your incident falls out of the specific criteria set forth in the plan, you could end up footing the bill entirely on your own. Airbnb themselves don’t recommend relying on this plan alone, so, why should you?

Airbnb Liability Coverage: Why the Host Protection Plan Falls Short

The Airbnb Host Protection Insurance has numerous problems with it that could leave you exposed and vulnerable to certain liability issues. For example, did you know that Airbnb’s plan does not cover malicious damage or assault? These are serious issues that every business owner should be insured against. Plus, Airbnb’s plan has a low reimbursement cap, which means you could still be paying out of pocket. Even worse, the plan has so many exclusions and requirements, that it makes it difficult to receive coverage at all!

The Best Way to Protect Yourself is Specific Airbnb Renters Insurance

Getting a policy that specifically covers renting out your property on Airbnb is your best bet. It allows you to keep your home safe and provides a better level of coverage for your rental situation. This way, in the potential event, that something happens to your home during one of these rentals, or even between rentals, you have the coverage your property needs to remain open for business. Plus a specially tailored plan will provide you much-needed liability coverage in case one of your guests attempts to pursue you for injury or damages.

Choose Proper Insurance for Your Coverage Needs

Proper Insurance is a comprehensive coverage plan written by Lloyds of London specifically for short-term rentals. Whether you’re listing your property on Airbnb, FlipKey, VRBO, or doing it yourself, Proper Insurance helps protect your property and insure you against potential liability issues. Our commercial plan includes coverage for your building, contents, liability, and income.

About the Author

Darren Pettyjohn

Darren Pettyjohn, Co-Founder of Proper Insurance, is a well-known expert and accomplished authority figure in the short-term rental insurance sector. With a rich history of pivotal contributions to the insurance industry before launching Proper Insurance, Darren's experience and expertise are unparalleled. Residing with his family in Bozeman, MT, Darren enjoys outdoor adventures like fly fishing and skiing. His professional success, paired with his personal passions, brings a vibrant approach to insurance that resonates with the short-term rental community.


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