Does Homeowners Insurance Cover Airbnb?

Homeowners insurance typically does not cover short-term rental activities such as those associated with Airbnb. Standard homeowners’ insurance policies are designed to cover the risks associated with a primary residence and may not provide adequate coverage for the unique liabilities and situations that arise when renting out your home.

Does Homeowners Insurance Cover Airbnb?

If you plan to regularly rent out your property on platforms like Airbnb, it’s crucial to inform your insurance company and discuss your intentions with them. Some insurance providers offer specific policies or endorsements to address the risks associated with short-term rentals. These policies may be referred to as “rental dwelling insurance” or “landlord insurance.”

Landlord insurance or a specific short-term rental insurance policy may provide coverage for property damage, liability claims, and loss of rental income. It’s important to carefully review the terms and conditions of any insurance policy to ensure you have the coverage you need.

How Does Airbnb Home Insurance Work?

In the realm of homeownership, the question of ”Does homeowners insurance cover Airbnb” looms large. For most homeowners who choose to rent out their property on Airbnb, it’s important to be aware if your policy offers adequate coverage, as short-term rentals mandate extra endorsement or a new form of coverage.

Additionally, Airbnb provides coverage up to $1 million for each rental. Although not all coverage has been extended to everything, this results in difficulty in filing a claim.

However, you can secure a standard homeowners policy by knowing how it covers homesharing and various short-term rental insurance alternatives to guarantee you suitable coverage.

Home-Sharing Insurance

Engaging in Airbnb activities typically requires including home-sharing insurance as part of your coverage to safeguard your home. Furthermore, frequent home-sharing is referred to as a commercial activity, as your homeowner policy does not extend coverage on your property.

Typically, home insurance offers liability coverage as well as property damage coverage. It provides coverage for visitors and their properties. However, after your home engages in an Airbnb activity, potential coverage gaps may emerge.

In various situations, some policies provide coverage for Airbnb hosts along with tenants that live there periodically. To ensure coverage in the latter case, obtaining a home-sharing endorsement or a distinct commercial insurance policy is a suitable option.

Additionally, your insurer might provide Airbnb insurance endorsements, which extend coverage for theft and property damage. Some endorsements even include liability, theft, vandalism, and damage to guests’ property.

Lastly, if your rentals consist of a potential part of your income, you could get a separate insurance policy as a requirement. This policy typically covers the main dwelling, other structures, personal property within the dwelling, lost rental income, and liability claims.

Which Companies Offer Home-Sharing Coverage?

In the expanding home-sharing industry, insurance companies are providing short-term rental coverage for homeowners engaged in renting out their homes through platforms like Airbnb. Here are three avenues to secure such coverage:

American Family Insurance

Policyholders have the option to enhance their coverage with short-term rental insurance, specifically designed for homes rented for less than 62 days per year.


Allstate offers HostAdvantage Home-Sharing Insurance, a specialized coverage safeguarding personal belongings during home rentals. This coverage extends protection in cases of theft by renters, burglary during your absence, or accidental damage to furniture or electronics, with coverage reaching up to $10,000.


Airbnb provides host liability insurance as part of its AirCover for Hosts protection. This policy offers up to $1 million in coverage against third-party claims for bodily injury or property damage. Additionally, AirCover offers $3 million in coverage for damages to your personal property or the home itself.

What Coverage Does Airbnb Offer?

Certain home-sharing companies extend coverage to hosts, and Airbnb, for instance, provides protection through its program named AirCover. Furthermore, this program, automatically included and free for hosts, includes three components.

These are host damage protection, host liability insurance, and experience liability insurance. Meanwhile, most Airbnb hosts rent out their properties for typical lodging objectives, and Airbnb experiences present a different aspect.

These experiences involve in-person activities hosted by local experts, ranging from cooking classes to nature-based activities and exercise. However, due to the unique risks associated with such experiences, hosts participating in Airbnb Experiences are covered by experience liability insurance under the AirCover program.

For hosts engaged in standard lodging, the remaining sections of AirCover come into play to ensure protection for both hosts and their property.

Airbnb Insurance Offered for Hosts

Airbnb hosts need to be aware of the insurance plans provided through the service. They usually come with no extra cost for the host’s property. Also, the two policies, namely host protection and host guarantee, provide coverage for certain areas in your home liable to damage during a guest’s visit.

However, understanding the extent of your coverage and identifying potential gaps is crucial. This insight makes additional insurance policies from your own provider more essential.

Host Protection

Airbnb provides hosts with coverage through its own Host Protection Insurance, which protects hosts from potential lawsuits by guests who may sustain injuries on the host’s property. The coverage extends up to $1 million, safeguarding against claims for bodily injury and property damage.

Additionally, this protection is applied to every host’s listing without extra charges. For instance, if a guest sustains an injury from falling down the front stairs, Host Protection safeguards you if the guest wants to take legal action.

Host Guarantee

Host Protection provides coverage against legal fees, while Host Guarantee focuses on safeguarding the host’s personal property within the Airbnb. Every host’s listing includes this coverage up to $1 million without additional fees.

However, it’s important to note that the host guarantee specifically applies to the property listed. This simply means that where the Airbnb rental is a room or a part of a significant home, only the specified area receives coverage.

Moreover, the host guarantee doesn’t cover regular wear and tear caused by guests over time. Additionally, it’s vital to be aware that this coverage isn’t all-encompassing, with higher-value items often having reduced coverage under the host guarantee.

Damages from Pets

Airbnb provides policies for hosts whose damages are caused by pets, meaning such damages are not covered. Meanwhile, leaving pets on your property may make your listing difficult. It also exposes you to potential damages not covered by Airbnb.


In conclusion, the question of “Does homeowners insurance cover Airbnb?” demands a nuanced exploration of policy details, endorsements, and transparent communication with insurance providers. Hosts must proactively evaluate their coverage needs and make informed decisions to safeguard their property and financial interests in the dynamic world of short-term rentals.

Transforming your home into a rental can be profitable. However, it’s important to note that homeowners policies exclude coverage for homesharing.

Before welcoming short-term guests, it’s important to secure the appropriate insurance coverage to safeguard your property and yourself from potential damage and personal liability claims.

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