AirCover Airbnb: What is it and how does the insurance for Airbnb hosts work?

What is AirCover Airbnb?

AirCover Airbnb is the exclusive protection program offered by Airbnb to its hosts that replaced and enhanced, starting from 2021, the previous insurance service of the platform, Host Protection. AirCover provides global coverage, protecting homeowners in over 220 countries and regions, and up to an amount equal to 3 million euros for damages and up to 1 million euros for civil liability.

If you’re wondering what the difference is between damage protection and civil liability, the former covers in case the accommodation or personal belongings are damaged by a guest during an Airbnb stay, while the latter applies when a guest gets hurt during a stay or suffers an accident during an Airbnb Experience.

How AirCover works and its cost

AirCover is automatically activated when you start hosting on Airbnb and publish your first ad on the platform. This means that AirCover is a totally free service and without Airbnb service fees, and you don’t have to do anything to activate it.

Regarding the damages and costs covered by the insurance, this service provides protection in multiple situations, such as:

• Protection against damages up to 3 million USD
• Protection towards works of art and valuable items
• Protection for damages caused to cars and boats
• Protection against damages caused by pets
• Refund for extra cleaning caused by a particularly tumultuous stay
• Protection against lost earnings, if the host is forced to cancel subsequent bookings due to damages caused by guests

In addition to these, AirCover provides other protection tools for hosts, including identity verification to confirm the authenticity of the information provided by your potential guests; monitoring of all those reservations that risk turning into private parties and could damage the property and 24-hour active safety support.

Ensuring a well-managed accommodation extends beyond insurance coverages; having a thorough Bed and Breakfast business plan can be instrumental in addressing unforeseen challenges and ensuring a satisfying guest experience.

How to File a Claim with Airbnb AirCover?

Filing a claim with Airbnb AirCover is a relatively simple process. Before we see step by step how to do it, however, remember to first contact the guest with your refund request, if you think he is responsible for the damage that has been caused to you or that he has violated the vacation rental house rules. If the guest refuses to pay – or assigns you a lower amount than agreed – you can follow the following procedure, or assign this task to your Airbnb Co Host:

1. Log into your Airbnb account – Once you have logged in, go to the “Help Center” section.
2. Go to the “AirCover” section – In the Help Center, you will find a section dedicated to AirCover. Here, you will see an option to “File a claim”. Click on it to start the process.
3. Fill out the claim form – You will be directed to an online claim form. Here, you will need to provide specific details about the claim, including the date of the incident, a description of what happened, and any other relevant details. Be sure to include all the information necessary to help Airbnb fully understand the situation.
4. Submit the evidence – In many cases, Airbnb may ask you to provide evidence to support your claim. This could include photographs of the damages, receipts for repairs, or medical documentation in case of injuries. Be sure to submit all the required evidence to support your claim.
5. Submit your claim – Once you have filled out the form and uploaded all the evidence, you can submit your claim. Airbnb will consider your claim and will contact you with a response via a Support Ambassador. Remember, it’s important to file your claim as soon as possible after the incident (your maximum time to take advantage of the refund guaranteed by AirCover is within 14 days of the guest’s check-out).

AirCover Airbnb Reviews

AirCover has received positive reviews from many Airbnb hosts. Hosts appreciate the security that comes from knowing that their property is protected in case of accidents, particularly and especially for the title of free insurance.

Moreover, having been recently implemented and improved with the Winter Release 2022, AirCover is even more convenient. However, as with any insurance policy, there are always some situations where coverage might not be applicable. Therefore, it is essential to read the terms and conditions carefully and fully understand what is covered and what is not.

Frequently Asked Questions

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