Airbnb Aircover for Hosts | What is covered and How to apply
July 25, 2024
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Property owners are often concerned about the reputation of some guests who can cause damage to their property when they rent it. A home insurance program called ‘AirCover’ for Airbnb hosts is designed to minimize these risks. The knowledge of this insurance can aid hosts in securing their properties and ensuring a seamless hosting experience.
The Perks of Airbnb Home Insurance
Airbnb’s home insurance program, known as “AirCover for Hosts,” is a unique benefit provided to all hosts at no additional cost. The cost of this service is covered by the host fees that Airbnb charges on each booking. AirCover provides protection for hosts against property damage, liability, and other risks associated with short-term rentals. All listings are automatically insured, providing hosts with security from the moment they receive start welcoming guests.
Airbnb’s Host Care package includes guest identity verification, reservation screening, $3 million in HoSecurity Damage Protection, $1 million for Host Liability Insurance and access to 24-hour safety line.
Key Benefits of AirCover for Hosts
1: Complete Coverage
AirCover offers comprehensive coverage for Hosts up to $1 million in property damage and liability claims. . This includes damages to the host’s property, belongings, and even neighbouring properties. If a guest accidentally breaks something then the hosts are compensated for it by the AirCover. AirCover takes care of the expenses for hosts and assists in compensating them.
2: No Costs To Hosts
AirCover is unique and unlike traditional home insurance policies, it does not require hosts to pay monthly premiums. It is a big relief for hosts and helps them avoid any potentially devastating financial claims.
3: Liability Protection
AirCover also offers liability protection, covering legal costs and medical expenses up to $1 million. The protection of hosts from potentially devastating financial claims makes this important.
What Does AirCover for Hosts Cover?
1: Properety Damage
Any accidental damage caused by guest to the property is covered by AirCover. Damage to furniture, electronic appliances and personal belongings are included. It also covers structural damage, such as broken windows or doors.
2: Theft Protection
AirCover provides financial assistance for the loss of property if any guests steal or vandalize the host’s items. By filing the claim, hosts can ensure the protection of their property.
3: Income Loss
If a property becomes unstayable due to guest-caused damage. AirCover compensates hosts for the loss of income during the repair period. This helps hosts maintain financial stability even when their property is temporarily out of commission.
4: Pet Damage
The host has the option to allow or disallow pets in their property. In properties where pets are allowed AirCover protects against pet-related damages.
5: Deep Cleaning
When a guest causes significant mess or contamination, AirCover reimburses the cost of deep cleaning services.
What is not covered?
- Damage resulting from normal wear and tear
- Loss of cash or currency
- Loss caused by natural disasters (e.g., earthquakes and hurricanes)
- Injury or property damage to guests or others (may be covered by Host liability insurance)
- Additional limitations may apply
How to file a claim with AirCover?
It is not difficult to file a claim with Airbnb. The host needs to follow the belowmentioned points to make sure their claim is successful:
1: Document Everything
Right after noticing any damage, take clear photographs and document the extent of the damage. Your claim may be supported by this as evidence.
2: Contact Guest
Reach out to the guest to inform them of the damage if the damage is caused intentionally by the guests. Sometimes guests are willing to compensate for the damage directly. Make sure this conversation is done on Airbnb chat and not on any other medium.
3: File The Claim
You need to log into your Airbnb account and navigate to the ‘Resolution Center’. Select the reservation associated with the damage and click on “Request Money.” After that follow the prompts to submit your claim, including uploading the documentation and provide a detailed description of the damage caused.
4: Wait For A Response
Your claim will be reviewed by the support team at Airbnb and they may contact you for further information. The decision and compensation will be communicated to you once the claim is processed. Be patient throughout the process.
AirCover insurance is a valuable investment that offers comprehensive defence against various situations. It offers a wide range of insurance options covering all aspects of property damage and liability claims. Airbnb hosts should be familiar with this insurance and follow best practices for hosting to ensure guests have a safe stay while protecting their investment.
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Frequently Asked Questions About AirCover:
1. What is Airbnb home insurance for hosts?
The insurance is called as ‘AirCover. It offers up to $1 million in coverage for property damage, liability claims, theft, pet damage, deep cleaning, and loss of income due to guest-caused damage.
2. Is AirCover for Hosts available worldwide?
Yes, AirCover for Hosts is available worldwide to everyone who uses the platform. Hosts from around the world can benefit from this.
3. How do I file a claim with AirCover for Hosts?
First you need to document the damage with clear photos, contact the guest to discuss the issue, and then file a claim through Airbnb’s Resolution Center from your dashboard. Make sure to share the issue in detail with the Airbnb support team.
4. Does AirCover for Hosts cover theft or vandalism?
Yes, it provides compensation for theft or vandalism caused by guests. Hosts can file a claim to recover the cost of stolen or damaged items given they provide the required documentation.
5. Are there any additional costs for AirCover for Hosts?
No, AirCover is provided at no additional cost to hosts. It is included automatically with every Airbnb listing.
6. What types of property damage are covered by AirCover for Hosts?
AirCover for Hosts covers accidental damage to the host’s property, including furniture, appliances, personal belongings, and structural damage such as broken windows or doors.
7. Does AirCover for Hosts include liability protection?
AirCover includes up to $1 million in liability protection for legal fees and medical expenses if a guest gets injured on the property.
8. Can I get compensation for lost income if my property becomes uninhabitable due to guest-caused damage?
If the damage caused by the guest requires your property to stay under maintenance then the bookings which are cancelled during that period may be compensated by them.
9. How does AirCover for Hosts handle pet-related damage?
AirCover for Hosts covers damage caused by pets.
One comment on “Airbnb Aircover for Hosts | What is covered and How to apply”
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Very informative and detailed article. I did not know that even pet damages are covered in their insuarance.