If you’re an Airbnb host, AirCover is one of the key protections you can rely on to safeguard your property against damages caused by guests. It’s a built-in insurance plan that ensures peace of mind, offering coverage for property damage, theft, and other unexpected incidents. But how exactly does AirCover work, and how can you maximize its benefits?
In this guide, we’ll walk you through everything you need to know—from filing successful claims to understanding what’s covered (and what’s not). Let’s dive into how this essential guide that can help you (hosts) manage risks and keep your rentals secure.
What Is AirCover for Hosts?
AirCover is Airbnb’s all-inclusive protection plan for hosts, offering up to $3 million in Host damage protection and $1 million in liability insurance at no additional cost. Automatically included for all hosts, AirCover shields them from financial burdens related to guest-related damages, accidental property damage, and unforeseen incidents, whether it’s a broken appliance, furniture damage, or stained carpets. This robust plan also includes guest identity verification, reservation screening, a 24-hour safety line, and an additional $1 million in liability insurance for Airbnb Experiences, helping hosts rent with confidence and peace of mind.
AirCover covers following aspects of the management:
- $3 million Host Damage Protection
- $1 million Host Liability Insurance
- $1 million Experiences Liability Insurance
- Guest Identity Verification
- Reservation Screening
The Guest Identity Verification and Reservation Screening are normal Airbnb Processes that are automtically included for hosts with Airbnb Platform. These processes are defined under Airbnb Aircover (as stated on Airbnb)
The 2 most popular aspects covered by AirCover are the Host Damage Protection and Host Liability Insurance as mentioned above.
Disclaimer: Please note this article or dosbnb.com does not act as a legal advisor for hosts or guests, the purpose of this article is to provide information gathered through Airbnb’s official support articles as well as based on our experience managing hundreds of properties for several Airbnb Property Management Companies. Support articles you can refer to are:
AirCover: Host Damage Protection
Host damage protection, included in AirCover for Hosts, provides up to $3 million in reimbursement if your property or belongings are damaged by a guest during their stay. If a guest does not cover the cost of repairs, this protection steps in to cover damage to your home and furnishings. It also reimburses for additional cleaning costs when necessary, such as removing stains caused by guests or their guests, handling pet accidents, and addressing smoke odor removal, so you’re not left covering these unexpected expenses.
What Does It Cover:
Here are the key areas it covers:
- Damage to Property: Whether a guest (or their invitees) accidentally breaks furniture, electronics, or other personal items, AirCover reimburses hosts for repair or replacement.
- Damage to Parked Vehicles: Coverage includes protection against damage caused by guests (or their invitees) to parked cars, boats, or other vehicles located on the property.
- Deep Cleaning and Repairs: If a guest causes significant mess or damage that requires professional cleaning or repair, hosts can claim these expenses under AirCover.
- Loss of Income: If a property is damaged to the point that it becomes un-rentable, AirCover compensates for the loss of potential booking revenue during repairs.
- Pet Damage Protection: Host damage protection under AirCover covers unexpected expenses, such as deep cleaning for smoke odor or repair and replacement costs from pet damage, like if a cat scratches up the curtains or a pet stains the carpet. With Pet Damage Protection included, AirCover also handles property damage caused by guests’ pets, so hosts aren’t left paying for these repairs themselves.
What It Does NOT Cover:
While AirCover offers comprehensive protection for Airbnb hosts, there are certain situations where it does not apply. Here’s what is not covered:
- Wear and Tear: Regular maintenance issues like paint fading, furniture aging, or general deterioration are not covered. Hosts are responsible for these.
- Acts of Nature: Property loss due to Earthquakes, Hurricanes and other acts of nature.
- Intentional Host Damage: Any damages caused by the host or someone acting on their behalf will not be eligible for compensation.
- Items of Extraordinary Value: If you have high-value items in your home, they may not be fully covered under AirCover, as it has limits on luxury or rare collectibles.
- Unsubstantiated Claims: Claims without proper documentation (receipts, proof of damage, photos, etc.) may be denied. Clear evidence is required to process claims successfully.
- Damage to Shared Spaces: In cases where the damage is to shared building spaces (e.g., common areas in apartment complexes), AirCover may not apply.
- Other: Loss of Currency or Normal Cleanings
AirCover: Host Liability Insurance
Host liability insurance, included in AirCover for Hosts, offers up to $1 million in coverage in the rare case that you’re found legally responsible for a guest being injured or for their belongings being damaged or stolen during their stay. This protection extends to others who help you host, such as Co-Hosts and cleaners, allowing you to welcome guests with added confidence and peace of mind on Airbnb.
What Does It Cover:
Here’s what is covered:
- Physical Harm: Host liability insurance provides coverage if a guest or another person sustains an injury at your property and you are found legally responsible. For example, if a guest trips on a loose rug in your entryway and injures their ankle, the insurance can help cover the associated medical expenses.
- Loss to Guest’s Property: This coverage also protects against damages to or theft of a guest’s personal belongings if you are found liable. For instance, if a guest’s laptop is damaged due to a water leak in their room, or their belongings are stolen from the property due to a security oversight, host liability insurance may cover the costs.
- Damage to Shared Spaces: Host liability insurance extends to common areas, providing protection if a guest causes accidental damage to shared spaces within or near your property, such as building lobbies or neighboring properties. For example, if a guest damages a shared lobby light fixture or scuffs up a wall with luggage, the insurance can help cover repair expenses, shielding hosts from unexpected costs.
What It Does NOT Cover:
Here’s what is not covered:
Intentional Damage: Host liability insurance does not cover damage or injuries that result from intentional acts. For example, if a guest deliberately breaks a window, any costs related to that damage wouldn’t be covered by liability insurance.
Items Covered under Host Damage Protection: Host damage protection, a separate coverage under AirCover, steps in to cover accidental or guest-caused damage to your property and belongings. This includes instances such as a guest spilling red wine on a white sofa or scratching the hardwood floors with their luggage. These types of damages are covered to help hosts avoid unexpected repair costs.
- Other exclusions may apply
Differences Between AirCover and Other Insurance Options
AirCover provides Airbnb hosts with a unique safety net tailored specifically for short-term rentals, but it’s essential to understand how it compares to traditional insurance options. While AirCover is built into the platform at no additional cost, standard insurance policies often require separate premiums and have different coverage scopes. Hosts should also consider the claims process, documentation requirements, and the types of damages covered, as they can vary significantly between AirCover and standard homeowners or rental insurance.
Feature | AirCover | Traditional Insurance |
Cost | Free for all Airbnb hosts | Requires monthly/annual premiums |
Coverage Type | Damage caused by guests, accidental damage | Varies by policy, may not cover guest-related damages |
Claims Process | Directly through Airbnb; requires documentation and proof | Directly through the insurance company; varies by provider |
Exclusions | Does not cover wear and tear, intentional damage | Often has specific exclusions depending on the policy |
Customer Support | Airbnb support team | Insurance company customer service |
Policy Limits | Set limits per claim; varies by damage type | Coverage limits set by the policy, which may be higher or lower |
How to File an AirCover Claim
Filing a claim through AirCover can seem daunting, but breaking it down into clear steps can help simplify the process. Here’s a step-by-step guide on how to file an AirCover claim:
Step-by-Step Guide for Filing Claims
- Documenting Damage:
- Take Photos and Videos: Capture clear images and videos of the damage. Ensure that you document all affected areas and items from multiple angles.
- Collect Other Evidence: Gather any additional evidence, such as witness statements or police reports if applicable.
- Receipts and Documentation: Collect all necessary receipts for repairs or replacements. This should include invoices from professionals, purchase receipts, or estimates for fixing the damage.
- Submitting Proof of Damage:
- Prepare Your Submission: Organize your documents in a clear format for easy submission.
- 14 Days of Guest Checkout: First step in filing AirCover is submitting request on Airbnb Resolutions Center. This involves simple step by step prompts by Airbnb, start by selecting ‘Request Money’ and follow the process
- 24 Hours: Guests have 24 hours to respond with full or partial payment (or not respond), or decline the ‘Request Money’ claim. At this point, you (host) have the option to involve Airbnb and proceed to file AirCover: Host Damage Protection
- Using the Airbnb App or Website to File Claims:
- Filing AirCover: To Proceed with AirCover, under Airbnb Resolutions Center, click on ‘Involve Airbnb’ option to proceed with the request
For Claims for Guest’s personal injury or to their property, a claim should be filed under Host Liability Insurance, using this intake form
Tips for a Successful Claim Submission
- Meet Airbnb’s Proof Requirements: Ensure you understand and meet the documentation requirements specified by Airbnb. This includes providing valid receipts and clear proof of the damage.
- Provide Clear Communication: Be concise and detailed in your explanations. Include relevant context regarding the damage and the guests involved.
- Follow Up: After submission, check the status of your claim regularly through the app or website to stay updated.
Required Documentation for AirCover Claims
When filing a claim under AirCover, it’s crucial to provide the appropriate documentation to support your case. Here’s a list of the required documentation to ensure a smooth claims process:
Proof of Damage:- Photos and Videos: Capture clear and comprehensive images or videos showing the damage. Ensure that these visuals depict the condition before and after the incident.
- Receipts and Invoices:
- Repair and Replacement Receipts: Collect all relevant receipts that demonstrate the cost incurred for repairs or replacement of damaged items. This can include invoices from professionals or store receipts for purchased items or even links for similar items on online stores.
- Detailed Documentation:
- Description of the Incident: Provide a written explanation detailing how the damage occurred, including any relevant context about the guests involved.
- Police Reports (if applicable):
- In cases of vandalism or theft, a police report may be required to support your claim.
- Other Supporting Evidence:
- This can include witness statements or any additional documentation that can substantiate your claim.
Tips for Documentation Submission
- Organize Your Documents: Ensure that your documents are well-organized and easily accessible when submitting your claim.
- Check Airbnb’s Requirements: Familiarize yourself with Airbnb’s specific proof requirements for AirCover claims. They may have guidelines on what constitutes acceptable evidence.
What to Do If a Claim Is Denied
If your AirCover claim is denied, don’t lose hope; there are steps you can take to address the situation. First, carefully review the denial notice from Airbnb to understand the reasons behind the decision. Common issues may include insufficient documentation or failure to meet specific proof requirements.
If you believe your claim was unjustly denied, gather additional evidence or clarify any misunderstandings that may have led to the denial. You can then reach out to Airbnb Support through the app or website to discuss your case further, providing any new information that could support your claim. If needed, consider re-submitting your claim with comprehensive documentation, ensuring you meet all outlined requirements. Persistence and Follow up is the key to success!
For more guidance on this process, you can refer to Airbnb’s official help articles on claims denial.
Common Challenges in Filing AirCover Claims
- Inadequate Documentation: Lack of proper evidence can lead to claim denials.
- Processing Delays: Slow claim processing times can hinder prompt resolutions.
- Understanding Requirements: Hosts may struggle to grasp the specific proof needed for successful claims.
- Communication Issues: Difficulty in getting timely responses from Airbnb support can be frustrating.
Common Misconceptions About AirCover
When it comes to AirCover for hosts, several common misconceptions can lead to confusion and mismanagement of expectations. Here are a few of the most prevalent misunderstandings:
- Misconception: AirCover is the Same as Traditional Insurance
Many hosts believe that AirCover functions like traditional homeowners insurance. However, while it provides coverage for specific damages caused by guests, it does not replace comprehensive insurance policies that cover a wider range of risks. Hosts still need their own insurance to cover scenarios outside AirCover’s scope. - Misconception: AirCover Automatically Covers All Damages
Some hosts think that all damages will be automatically covered under AirCover. In reality, hosts must document damages and provide sufficient evidence to support their claims. Without proper documentation, such as photos and receipts, claims may be denied. - Misconception: Filing a Claim is a Simple Process
While Airbnb aims to streamline the claim process, hosts often underestimate the complexity involved. Many find that gathering documentation, understanding proof requirements, and navigating the claims process can be more challenging than anticipated. - Misconception: Claims Will Always Be Approved
Hosts may assume that if they file a claim, it will be automatically approved. However, Airbnb has strict guidelines, and if claims do not meet their criteria or lack sufficient evidence, they may be denied. - Misconception: AirCover is Only Available for Certain Hosts
Some hosts believe that AirCover is limited to new hosts or those in specific regions. In fact, AirCover is available for all hosts on the platform, providing a safety net regardless of experience or location.
Why AirCover is Essential for Hosts
AirCover is essential for Airbnb hosts for several reasons, primarily due to the built-in protection it offers against potential damages and losses associated with hosting guests. Here are some key points highlighting its importance:
- Financial Protection Against Guest Damages: AirCover provides hosts with coverage for damage caused by guests, such as broken items or accidental property damage. This built-in insurance allows hosts to feel secure knowing that they can file a claim with Airbnb if their property is damaged during a guest’s stay .
- Peace of Mind: Hosting can come with risks, particularly when it involves allowing strangers into one’s home. AirCover offers a safety net, enabling hosts to focus on providing great guest experiences without the constant worry of potential damages .
- Encouragement for New Hosts: For individuals considering becoming hosts, the assurance that comes with AirCover can be a significant motivator. Knowing that they have insurance coverage can help alleviate fears about potential financial losses .
- Streamlined Claims Process: AirCover simplifies the process of filing claims for damages, provided hosts document the incidents thoroughly. This means that if an issue arises, hosts can submit evidence and receive compensation without lengthy procedures .
- Competitive Advantage: The availability of AirCover can be a compelling selling point for Airbnb hosts, making their listings more attractive to potential guests. Guests may feel more comfortable booking with hosts who have coverage, knowing that any issues that arise can be addressed .
Case Studies filed by DOSbnb
Case Study: Guest: Morgan who stayed in a Washington DC based home
Dates of Stay: July 19 – 22
Claim Amount: $250
Description: During the cleaning process, it was reported that the couch had sustained damage, necessitating extra cleaning. Initially, the claim was declined; however, after submitting valid documentation, Airbnb approved the claim, and we received the payment.
To support the claim, we client promptly attached receipts to an email sent to Airbnb, which facilitated the claims process. This case highlights the importance of providing comprehensive documentation, including:
- Before and After Photos: Clear images of the couch showing its condition prior to and following the incident.
- Cleaning Receipts: Invoices detailing the costs incurred for the extra cleaning required.
- Improvement Note: One area for improvement is adhering to the claim submission timeframe. Ensuring timely submissions (no later than 30 days after Aircover is opened) can enhance the chances of a successful outcome in future claims.
Case Study: Gerald, who stayed at another Washington DC based home
Dates of Stay: June 7 – 9
Claim Amount: $1,165.00
Description: During the guest’s stay, they attempted to slide a glass door that was fixed in place, resulting in breakage. Consequently, we needed to replace the door. Although the initial claim was declined by the guest, we provided proper documentation to Airbnb, which ultimately led to a successful claim approval of $1,153.35.
This case emphasizes the importance of thorough documentation, which included:
- Photographic Evidence: Clear images of the broken door, showcasing the damage.
- Repair Invoices: Detailed receipts from the service provider for the door replacement.
Conclusion
AirCover for Airbnb hosts serves as a vital safety net, providing peace of mind and financial protection against potential damages caused by guests. With its built-in coverage, hosts can confidently welcome guests into their homes, knowing they have support in case of accidents. The simplicity of filing claims and the assurance of coverage can encourage new hosts to start their journeys without hesitation. As the hosting landscape continues to evolve, AirCover stands out as an essential tool that not only protects hosts but also enhances the overall guest experience, fostering trust and security in the Airbnb community.
FAQs
What types of damage does AirCover cover?
AirCover covers accidental property damage, such as broken items, stains, and other damages incurred by guests.
How do I file an AirCover claim?
To file a claim, hosts must document the damage, gather necessary evidence (photos, videos), and submit the claim through the Airbnb app or website.
What documentation is required for AirCover claims?
Required documentation includes photos of the damage, detailed receipts for repairs, and any other evidence that supports the claim.
What should I do if my AirCover claim is denied?
If a claim is denied, review the reasons for denial, gather additional evidence if possible, and consider reaching out to Airbnb support for clarification.
How does AirCover differ from traditional insurance?
Unlike traditional insurance, AirCover is specifically tailored for Airbnb hosts and provides streamlined claims processes focused on short-term rental scenarios.
Does AirCover replace my homeowner’s insurance?
No, AirCover is supplementary and does not replace traditional homeowner’s insurance. Hosts should maintain their own insurance policies for comprehensive protection.
Are there any exclusions to AirCover coverage?
Yes, AirCover does not cover certain types of damages, such as those resulting from wear and tear, or damage to personal property not used in the rental.
Can I still claim if I don’t have receipts?
Claims without proper receipts may be more challenging to support. It’s essential to keep receipts for any repairs or replacements.
Is AirCover free for all Airbnb hosts?
Yes, AirCover is automatically included for all Airbnb hosts at no additional cost.
