Experience Protection Insurance

For most experiences, Airbnb hosts have the protection of liability insurance of up to $1 million USD to protect against third party claims for personal injury or property damage
Coverage for most experiences
Our Experience Protection Insurance provides hosts with primary coverage against liability claims up to US $1 million in the rare event a third party suffers bodily injury or property damage during an experience. Coverage eligibility depends on the type of experience you are hosting, and you can learn more here.
Protection against the unexpected
As you share unique local experiences with your guests, it’s best to be prepared for the unexpected. Though negative incidents are extremely rare, Experience Protection Insurance provides hosts and guests with added peace of mind.

We’re there for you with our Experience Protection Insurance

We’re committed to creating a safe and trusted community around the world.
What’s covered?
    Our Experiences Protection Insurance program provides liability coverage of up to $1 million USD per occurrence, in the event of third-party claims of bodily injury or property damage.
      Our Experience Protection Insurance provides coverage through a policy issued by a Lloyd’s of London participating insurer for the United States, Canada, and South Africa. Coverage for the other countries is provided by Zurich Insurance plc. In some jurisdictions, including Mexico and South Korea, where a locally issued policy is required, coverage may be provided by a Zurich partner company. In Japan, coverage is provided under a policy issued by Sompo Japan Nipponkoa Insurance Inc. and Aioi Insurance.
        Certain conditions, limitations, and exclusions may apply.
            What’s not covered?
              Our Experience Protection Insurance program does not apply to all liability or cover all types of experiences.
                Examples of what’s not covered include but are not limited to:
                • Property damage due to things like mold or pollution
                • Something done intentionally (not an accident)
                • Experiences involving aircrafts
                  For more information about what our Experience Protection Insurance covers and doesn’t cover, visit our Help Center.
                    You can also download a comprehensive program summary.
                    Need to file a claim?
                    Please contact us and we’ll connect you with our third-party claims administrator.
                    Ready to host an experience?
                    Take the next step towards sharing your favorite activity with guests.
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                    More info about our Experience Protection Insurance