What's the difference between Airbnb's Host Guarantee and Host Protection Insurance?
The Host Guarantee and Host Protection Insurance programme are two separate programmes that Airbnb offers to help cover hosts in the event of damage or injury. Learn more about the differences between the two below.
Airbnb's Host Guarantee is designed to protect hosts in rare instances of property damage to their own possessions, unit, or home by a guest staying in the space. The Host Guarantee is not insurance and doesn’t replace your homeowner’s or renter’s insurance.
Learn more about our Host Guarantee.
Host Protection Insurance
The Host Protection Insurance programme is insurance, and is designed to cover hosts in the event of third-party claims of bodily injury or property damage. The Host Protection Insurance programme is available to hosts regardless of their other insurance arrangements, but will only act as primary insurance coverage for incidents related to an Airbnb stay.
Learn more about Host Protection Insurance.
Examples of coverage
Here's an example to help show how the coverages offered by the Host Guarantee and Host Protection Insurance programme differ:
- During a stay in a covered country, a guest accidentally breaks the toilet and the host’s bathroom floods. The living room of the neighbour’s flat also floods. The neighbour or landlord brings a claim against the host for damages to the living room.
In this example, damage to the host's bathroom could be covered by the Host Guarantee, since the property belonged to the host. Damage to the neighbour's living room could be covered by the Host Protection Insurance programme, since a claim is being brought against the host by the neighbour or landlord for liability.