AirCover acts as a built-in safety net that protects your property, belongings, and liability whenever you welcome guests. Here’s a clear breakdown tailored to apartment owners:
Airbnb’s AirCover gives apartment owners hosting on the platform up to $3 million in damage protection and $1 million in liability coverage, making it one of the most comprehensive free protections available to STR hosts. However, it does not replace traditional landlord or property insurance, and exclusions mean owners should still consider supplemental coverage.
AirCover for Apartment Owners
- Automatic & Free: Every booking on Airbnb includes AirCover—no extra cost or enrollment needed.
- $3 Million Damage Protection: Covers accidental damage to your apartment’s interiors, furniture, appliances, and personal belongings.
- Specialized Coverage:
- Valuables & Art: Reimbursement for damaged artwork, collectibles, or high-value items inside your apartment.
- Appliances & Fixtures: Protection if guests damage kitchen equipment, electronics, or built-in fixtures.
- Pet Damage: If guests bring pets, any damage they cause is covered.
- Liability Insurance: Up to $3M if a guest is injured inside your apartment or if their belongings are damaged during their stay.
- Guest Screening: Airbnb uses identity verification and reservation screening to reduce risks like unauthorized parties.
- Guest Protections: Guests also benefit—refunds if a host cancels last minute or if the apartment isn’t as advertisedFor apartment owners, AirCover reduces the financial risk of hosting by covering major damage and liability scenarios. It helps ensure that renting out your apartment is safer and more secure, giving peace of mind while welcoming guests.
Apartment Owner’s Perspective
Benefit Why It Matters for Apartment Owners Free & automatic No need to buy or activate—it’s built in $3M damage protection Safeguards against costly repairs or replacements Liability insurance Protects against lawsuits or claims Guest screening Reduces risk of disruptive or unsafe tenants Specialized reimbursements Covers unique items like art, electronics, or pets
