AirCover for Hosts is Airbnb's group of protections for eligible Airbnb hosting. It includes Host damage protection and Host liability insurance, plus guest identity verification, reservation screening, and a 24-hour safety line. Each component has its own terms, conditions, and exclusions.
Two protections that are easy to confuse
Host damage protection may reimburse a Host for certain guest-caused damage when the responsible guest does not pay. Airbnb currently describes a limit of up to $3 million. Airbnb states clearly that Host damage protection is not an insurance policy.
Host liability insurance may apply when an eligible Host is found legally responsible for bodily injury to a guest or damage to a guest's property during an Airbnb stay, subject to the policy's terms, conditions, exclusions, and jurisdictional rules. Airbnb currently describes a $1 million limit.
What Host damage protection may include
Airbnb's current summary lists certain guest-caused damage to the home and belongings, certain unexpected cleaning costs, and certain booking-income loss when confirmed Airbnb reservations must be canceled because of covered guest damage.
Airbnb also lists exclusions. Examples include normal wear and tear, currency, damage from acts of nature, normal checkout cleaning, and injury or property damage to guests or others. Other limitations apply, so the current terms control.
The reimbursement process matters
- Document the issue with photos or video and relevant estimates or receipts.
- Submit a reimbursement request in Airbnb's Resolution Center within 14 days of the responsible guest's checkout.
- Allow the guest to respond. If the guest declines, pays only part, or does not respond, submit the eligible request under Host damage protection for Airbnb's review.
Airbnb reviews the request under its published terms. A request is not a promise of payment.
What 30⁺ day Hosts should keep organized
Keep the listing description, house rules, pre-arrival messages, condition photos, reservation record, guest communication, invoices, receipts, repair estimates, and checkout documentation accurate and easy to retrieve. A longer stay does not remove AirCover's eligibility rules, exclusions, evidence requirements, or deadlines.
AirCover boundary: Superbahost can help owners build clear Airbnb listing and operating systems. Airbnb decides eligibility, claims, reimbursement, and liability matters under its current terms. Always use Airbnb's current Help Center and terms for the controlling details.
Official Airbnb references
AirCover for Hosts overview, Host damage protection, Host liability insurance program summary, and Host Damage Protection Terms.
Common questions
Is AirCover for Hosts an insurance policy?
AirCover for Hosts is a group of Airbnb protections. Its Host liability insurance component is insurance. Airbnb states that Host damage protection is not an insurance policy and is separate from Host liability insurance.
Does AirCover apply to 30⁺ day Airbnb stays?
Airbnb describes AirCover for Hosts as included when a Host hosts an eligible stay booked on Airbnb. The published terms, conditions, exclusions, eligible listing rules, and claim deadlines still apply; the length of a stay does not remove those requirements.
How does a Host request AirCover reimbursement for guest damage?
Airbnb says the Host should document the issue and file a reimbursement request in the Resolution Center within 14 days of the responsible guest's checkout. The guest can respond first, after which the Host may submit an eligible request under Host damage protection for Airbnb's review.