Airbnb Insurance: Protect Your Home and Guests with AirCover

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The Insider @ Houst
Last updated on
December 31, 2022

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Airbnb Insurance: Protect Your Home and Guests with AirCover

I hope you enjoy reading this blog post.

If you want my team to just manage your Airbnb for you, click here.

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Houst is a leading property management company specialising in short-term and medium-term bookings in eight countries. With over 7 years of experience and managing over 300,000 bookings, we help homeowners make the most of their properties.

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Renting your home on Airbnb can be a rewarding experience, but it's essential to understand the responsibilities and potential risks involved. Protecting yourself and your property is crucial, which is where Airbnb insurance comes into play. In this article, we explore the importance of Airbnb insurance and introduce AirCover, a comprehensive insurance program designed specifically for Airbnb hosts and travellers. Learn about the coverage options, benefits, and peace of mind that AirCover provides for a worry-free hosting experience.

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When you rent your home on Airbnb, you take a big step.

If you're considering renting your home on Airbnb, it's important to remember that you are taking on many responsibilities. You are trusting strangers with the keys to your property and giving them access to it 24/7.

The good news is that there are ways for renters like yourself to protect themselves against any potential problems that may arise from such an arrangement. The first step is understanding how insurance works in general—and then determining what coverage would best suit your needs as an Airbnb host or renter.

You are now hosting guests from all over the world in your living space and have stored your valuables.

The Airbnb platform has made finding a place to stay easy, but what if something happens? What would happen if one of your guests was injured or even killed while on their trip?

Airbnb insurance can provide peace of mind when renting out your home through its policies on loss and damage, theft, travel cancellation and interruption, liability cover (including medical expenses), personal accident cover (for example, if an individual is injured at one of their properties), and more.

While Airbnb has taken many steps to ensure safety and security through the platform, there are still risks when it comes to hosting guests.

Airbnb insurance can help protect your home and personal belongings from damage or theft. It also makes you feel more comfortable renting out your space, knowing that if something happens—an accident or theft—you can get reimbursed for repairs or replacements.

With AirCover it's easy to get protected as a Host and Traveler!

AirCover is the world's first travel insurance program for Airbnb hosts and travellers. It offers peace of mind when you rent space on Airbnb.

Airbnb is one of the most popular online home-sharing platforms today, with millions of people using it to find accommodation while travelling. The company has also become an industry leader in offering premium travel insurance products that protect travellers and hosts alike. 

What is AirCover?

AirCover is a travel insurance provider that offers insurance for hosts and travellers. You can insure your home and personal belongings, as well as trips around the world. AirCover covers you for many events and activities, including food poisoning, theft, and loss or damage to your vehicle while it's parked at an airport or other public place.

The company's coverage options include the following:

  • Accidental death & dismemberment – £10M per person + £7M per passenger up to £1M (with deductible)
  • Medical expenses – up to £5M per occurrence + £2M per person up to £3M (with deductible)
  • Cancellation fee protection – up to 4x price paid on eligible bookings
  • Public liability insurance up to £1 million to cover accidents involving Airbnb guests at your home.
  • Buildings insurance up to £1 million, more available if necessary.
  • 12-month guarantee on repairs undertaken as a result of a claim.
  • Business admin equipment for your Airbnb rentals is covered, including computers, printers, and photocopiers.
  • Protection against accidents to domestic staff employed in your Airbnb business is included.

Why is AirCover the right program for you?

AirCover is a unique program that is designed specifically for Airbnb hosting. AirCover provides coverage for your home and personal belongings while you are renting out your space on the Airbnb platform.

AirCover is the most affordable Airbnb insurance in Canada. It offers coverage at an affordable price, so you can choose from several different options depending on how much protection you want and how much money you want to spend each month.

Is AirCover a good deal?

AirCover is affordable, easy to understand, and provides peace of mind for you and your guests. AirCover is a comprehensive insurance program that covers your home and personal belongings against damage or loss caused by fire, flood, theft, vandalism, and other covered events.

What AirCover Protects you from?

AirCover protects you from the most common problems that could occur while hosting. The program also covers you for other unexpected events that could happen while hosting, like a guest breaking something or causing damage to your home.

Securing Airbnb insurance can help you feel more comfortable renting out your space.

AirCover is a good deal. It protects you and your property from any issues that arise while renting out your space. If something goes wrong with the guests, AirCover will cover it all and ensure that the guests don't have to pay for damages or repairs themselves.

If something were to go wrong, you want to be sure that your home and personal belongings are protected.

Airbnb insurance can help you protect your home and personal belongings. What things does Airbnb insurance cover, and what situations does it not cover? The following is a list of common questions we receive from our customers:

  • What does Airbnb insurance cover?

Airbnb insurance will cover any loss or damage to your home (whether it's an entire apartment, a single room in someone's house, or an entire property), as well as any personal belongings like clothes, electronics, and other items belonging to you and/or guests staying at your place. This includes items that are damaged by fire or water damage as well! If something goes wrong while they're visiting (like they get sick), they'll also have coverage for medical expenses incurred during their stay here too! 

So if one person gets sick with some sort of contagious disease while visiting another member's family member's house, both parties can apply for coverage under this program together so that neither party has any worries about paying out-of-pocket expenses related directly back to them versus having access towards affordable solutions throughout town who might offer similar services themselves - but charge significantly higher rates than what Airbnb does today!

Airbnb insurance can protect you and your property if hosting guests goes wrong.

Airbnb insurance can protect you and your property if hosting guests goes wrong.

Airbnb hosts are often at risk of losing their homes, cars, or other belongings in case of theft or damage during a stay by a guest. This can be especially true for renters who rent out their homes to tourists who have different protection than full-time residents. AirCover provides Airbnb hosts with a home insurance program that covers them against some common risks with renting out their properties on Airbnb.

AirCover will cover you for certain losses or damages that occur during stays at an Airbnb property like:

  • Theft (including vandalism) - up to £1 million per occurrence; £3 million total coverage limit; deductible applies - £500 per occurrence; deductible applies - £500 per occurrence
  • Damage caused by fire/flood/earthquake - up to £250k/£750k/£1m total coverage limits depending on the type of repair needed, deductible applies (upfront) - £500 per occurrence

Here's what protection can look like:

AirCover offers Host Protection and Traveller Protection.

Host Protection covers you for damage to your property, personal belongings, and other liabilities that may arise from hosting a visitor at your property.

Traveller Protection protects against cancellation fees when a guest cancels their booking due to unforeseen circumstances (e.g., illness).

Conclusion

Getting covered by Airbnb insurance is a significant first step in protecting yourself and your home. It may seem like a lot of work, but AirCover does everything for you. Everything from finding out what kind of coverage is available to paying for it directly with a credit or debit card—AirCover makes it easy

The Insider @ Houst

The Insider @ Houst

The Insider team at Houst is dedicated to providing up-to-date and relevant information on short-term rentals. If you have hosting inquiries, please write to us at expert@houst.com. For guest inquiries, reach out at guest@houst.com. We are here to help you navigate the world of short lets and look forward to assisting you with your needs.

The Insider @ Houst

The Insider @ Houst

The Insider team at Houst is dedicated to providing up-to-date and relevant information on short-term rentals. If you have hosting inquiries, please write to us at expert@houst.com. For guest inquiries, reach out at guest@houst.com. We are here to help you navigate the world of short lets and look forward to assisting you with your needs.

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David
Account Manager

"I have a philosophy in life called keep it simple. I don't live to work, I work to live. This is the first time I've leased this property on Airbnb. A house allows me to have vision of all the revenue and all the expenses associated with the apartment. They work as a well-oiled machine. They strive very hard to keep both myself and the tenants happy."

Jules
Sales Director

"Honestly, if I didn't have Houst, I don't think I'd have this house anymore. With Houst's help, I can focus on my busy life while they manage my Airbnb listing. Guests call this place the 'magic cottage', and Houst makes it possible to share its special charm without any stress."

Charlotte
Musician

"Houst has been a game-changer for us, enabling my husband and I to expand our property portfolio effortlessly. Their personalised service lets us be hands-off yet fully in control, making property management seamless while we pursue our careers as musicians."

Ahmed
Software Engineer

"Houst has been a game-changer for my Airbnb rentals, significantly boosting my income. Their user-friendly platform and comprehensive management services, covering everything from cleaning to guest interactions, make property management stress-free."

Jim
Construction

"Finding Houst has been like a godsend for my Airbnb venture. It's made the entire process really easy, from the onboarding to managing guests. Their seamless service has enabled me to host successfully without needing to invest my limited time. If it weren't for Houst, I wouldn't be hosting on Airbnb."

David
Account Manager

"I have a philosophy in life called keep it simple. I don't live to work, I work to live. This is the first time I've leased this property on Airbnb. A house allows me to have vision of all the revenue and all the expenses associated with the apartment. They work as a well-oiled machine. They strive very hard to keep both myself and the tenants happy."

Jules
Professional Landlord

"Honestly, if I didn't have Houst, I don't think I'd have this house anymore. With Houst's help, I can focus on my busy life while they manage my Airbnb listing. Guests call this place the 'magic cottage', and Houst makes it possible to share its special charm without any stress."

David
Account Manager

"I have a philosophy in life called keep it simple. I don't live to work, I work to live. This is the first time I've leased this property on Airbnb. A house allows me to have vision of all the revenue and all the expenses associated with the apartment. They work as a well-oiled machine. They strive very hard to keep both myself and the tenants happy."

Jules
Sales Director

"Honestly, if I didn't have Houst, I don't think I'd have this house anymore. With Houst's help, I can focus on my busy life while they manage my Airbnb listing. Guests call this place the 'magic cottage', and Houst makes it possible to share its special charm without any stress."

I hope you enjoy reading this blog post!
If you want my team to just manage your Airbnb for you, just book a call.
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