Get to Know Airbnb Host Protection Insuranceīecoming an Airbnb host can be a process that’s fraught with anxieties. There are insurance options for Airbnb hosts that further protect hosts from damages that would not be covered under normal landlord insurance or business insurance and will protect your rental income. Whichever company you choose, make sure your policy covers liability protection and you don’t skimp on supplemental insurance products. Most standard homeowners insurance policies don’t cover Airbnb or similar home-sharing services, which is why Airbnb offers its own host protection insurance program. It happens automatically once you list your home. And, like renters, you don’t need to do a thing to be covered. Like renters, homeowners who become Airbnb hosts are covered by Airbnb’s own host protection insurance. But since this is an insurance blog, let’s keep the focus on insurance coverage. Still, your city may have specific regulations or restrictions dictating how you manage your short-term vacation rental. Property owners generally have fewer hoops to jump through to be Airbnb hosts. ![]() ![]() Airbnb hosts are automatically covered by this policy-you don’t need to do anything to register or sign up for it. Airbnb actually has its own form of insurance called host protection insurance (more on that below). In that case, the good news is that you don’t have to worry about your renters insurance policy covering third-party claims or personal liability if someone gets hurt in your home. However, suppose you’ve reviewed your lease and landlord policy, and you’re confident that hosting on Airbnb is above board. ![]() You may face fines or eviction if you break your lease terms, so we highly advise against this. ![]() If you decide to go ahead anyway, you do so at your own peril. Some leases even have clauses that expressly forbid any kind of “business activity” in your rental property, and short-term rentals arguably fall within that category. Many leases prohibit listing your place on Airbnb, VRBO, and other similar short-term rental services.
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