The Best Insurance for Airbnb Hosts in 2022: Here’s Our Top Pick…

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In order to protect yourself and your property when you are hosting guests for a night, it is important to get the best insurance policy. After our thorough research, we have decided that Proper Insurance meets the criteria. It is by far the best insurance for Airbnb hosts. Here’s why we think it’s the best…

Best Insurance for Airbnb Hosts

So What is the Best Insurance for Airbnb Hosts?

We believe Proper is one of the best insurance companies out there. This is because of the great coverage that it offers and the low prices. It is also one of the most trusted companies and has great customer reviews. 

We feel when it comes to Airbnb insurance, Proper insurance stands out as the nation’s best choice.

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Why You Need an Insurance Policy for Your Airbnb

Getting an insurance policy for your Airbnb property is especially important if you plan on renting out your property to strangers. The risk of theft, damage, and liability is high with strangers living on your property. Even if you are careful and protect your property, you could find yourself facing huge bills if someone gets hurt while staying at your Airbnb.

Depending on the insurance policy that you decide to purchase, you may be covered for both physical and legal liabilities. This insurance can also provide liability coverage for your guests. Liability insurance is particularly important because you might become legally responsible if a guest gets injured on your property. 

Do Airbnb Hosts Need Extra Insurance?

The short answer is yes. You do need additional insurance if your guests are injured or damaged while staying at your property. While the standard homeowner’s insurance plan covers you up to $1 million in liability, you’ll want to consider purchasing a plan that includes a higher limit for your property. In addition to general liability, you may also want to add coverage for bed bug infestations or liquor liability.

While Airbnb does offer some insurance for its hosts, it doesn’t cover every potential problem. For example, Airbnb’s host guarantee covers only certain kinds of damages, including theft and personal injury. Moreover, Airbnb doesn’t cover intentional damage, pollution, and mold. For this reason, you should get a separate policy for your Airbnb rental property.

AirCover for Hosts Has Limitations

Airbnb’s AirCover for Hosts comes with a range of limitations. While it offers a comprehensive range of benefits, it does not cover certain things, including weapons, currency, or deep cleaning. It also excludes certain items, such as fine arts, paintings, and antiques. Given these limitations, AirCover for Hosts is best considered as a backup plan, rather than primary coverage.

AirCover does not cover theft and does not cover communal areas, such as common entrance halls in block-of-flats. Additionally, Airbnb recommends that hosts take out additional insurance to protect their property and assets. While this service does not provide cover for everything, it is a good start in the event of an emergency. Check out this video for more information.

Do You Need Business Insurance for Airbnb?

If you are considering running an Airbnb business, you need to make sure that you are properly insured. There are several ways to do this, and a professional insurance broker can help you decide which insurance is right for your property. Some companies even offer bundle policies that save you money. 

Before you get your Airbnb business insurance, be sure to check your existing homeowners insurance coverage. Many policies require that you show proof of broken or forced entry. 

Airbnb hosts should also consider having liability insurance, which covers them if they are injured on your property. It also covers third-party liability and lost income, should a guest cancel their reservation. It is also helpful to have a property and contents policy, which covers the contents of your Airbnb space.

How Do I Protect Myself as An Airbnb Host?

As an Airbnb host, you should consider obtaining primary liability insurance. This insurance will cover you in the event of a guest accident or property damage. Airbnb also requires hosts to work with guests first before filing a claim. This is a good safety net, but you should also ensure you have adequate insurance coverage for your home.

Does Airbnb Provide Property Insurance?

Airbnb does not provide homeowners insurance, but its host protection option does. This option will cover your home in the event of a loss or damage, and will cover deductibles. It will also cover any extra expenses you incur from providing accommodations to your guests. Guests do not have to pay for this insurance, but it is worth the extra coverage. However, Airbnb does not offer refunds or cancellation fees. It is best to consult your homeowner’s insurance company before making any final decisions.

Homeowners insurance is an important consideration for Airbnb hosts. Using a regular home insurance policy for your home is a poor idea, as most policies don’t cover you if you rent out your home to paying guests. Moreover, Airbnb requires that hosts disclose all details about their home to guests. Without an insurance policy, Airbnb hosts are left with no protection if anything happens to their home.

What to Look for In Vacation Rental Insurance?

A good home-sharing insurance policy should have liability coverage, with few exclusions for guest injury. Liability coverage is vital for Airbnb hosts because guest safety is the biggest risk of any home-sharing experience. 

It should also include location-specific coverage for things like floods and earthquakes, since some regions are more vulnerable to these natural disasters than others.

Most homeowners and renters’ insurance policies aren’t tailored to protect vacation rentals. The same applies to commercial property insurance policies. Both types of insurance cover liability and property damage. Some types may need additional endorsements.

The Best Insurance for Airbnbs

Great insurance is crucial for the protection of both property and personal belongings. AirCover protects Airbnb hosts from damage caused by guests and their pets. While the Host Guarantee program covers property damage caused by guests, it does not protect hosts against injuries or lost income caused by circumstances beyond their control. 

For this reason, we highly recommend that hosts get additional insurance. We love Proper Insurance as it offers several benefits, including a 5-minute online quote and an insurance agent on call 24/7. 

It also has a 24/7 claims hotline to handle any issues pertaining to vacation rentals. Its premiums range from $1,500 to $3,500 and are based on the amount of personal property and income replacement that you need. Find out more below…

Proper Insurance

Proper insurance is the nation’s most experienced provider of insurance policies for Airbnb hosts. It offers comprehensive coverage against liability and property claims. Proper Insurance policies replace a host’s current landlord or homeowner’s insurance plan and can protect a host against any number of risks.

Proper insurance covers building and contents against damages and theft. It pays for actual losses sustained against fair market value. And unlike other insurance policies, it does not have any time limits.

Thorough Review of What Proper Offers and Why It Is the Best

Proper specializes in Airbnb insurance and offers comprehensive coverage for liability and property claims.

 Its policy can replace your landlord’s insurance, homeowners’ insurance, or other commercial business insurance. The policy comes with many valuable features, such as online quote portals. Here are some of the benefits and why we feel it is the best: 

What People Are Saying

The Proper insurance company is a well-known and well-respected insurance provider for vacation rental property owners. Check out the customer reviews…

Better Business Bureau’s Proper Customer Rating: 4.68/5

Yelp’s Proper Customer Rating: 4.5/5

What Proper Insurance Offers?

  • Covers the building and contents for owners of vacation rental properties
  • Covers liability and business income
  • Includes coverage for loss of income due to vandalism and damage to property
  • Includes extended liability for swimming pools, bicycles, and gym equipment

They also offer flexibility to accommodate different types of occupancy. Depending on the insurance policy, you can choose from policies for short-term rentals, long-term tenants, and even unoccupied rental properties. 

Other Airbnb Insurance Policy Alternatives


Allstate offers short-term rental insurance. With the Host Advantage, you can extend the protection of your existing homeowner’s policy to your rental property. The policy covers the dwelling, other structures, and fair rental income. It also provides premises medical protection, which covers your medical bills in the event that your guests get injured on your property. Additionally, you can get an umbrella policy that protects you in the event of third-party lawsuits.


Foremost offers a variety of coverage options for all types of rental properties. Their basic coverage provides coverage for building damages and losses, but they also have a variety of coverage options that can be customized to fit your needs. One of these options is loss of rental income, which will protect you from losing money if something happens to your property. 

Our Conclusion 

Proper is one of the largest specialty insurance providers in the world and offers policies for property owners nationwide. We feel the provider is highly reputable and perfect for short-term rentals. They offer great policies and free quotes and can customize your policies to meet your needs.

Overall, we feel Proper is the best choice! Ready to get started? Click here to get your free quote.

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