How does homeowners insurance work with Airbnb?
Airbnb’s Host Protection Insurance will act as primary insurance and provides liability coverage to hosts and, where applicable, their landlords, subject to certain conditions, limitations, and exclusions.
If you have questions about how this policy interacts with any homeowners or renters insurance, you should discuss your coverage with your insurance provider. Some policies protect homeowners and renters from certain lawsuits that result from injury to a visitor, while others do not. It’s always a good idea to let your insurance provider know about rental activity in your space even though liability arising during an Airbnb stay should be covered by the Host Protection Insurance policy.
For further guidance, refer to our Responsible Hosting page.