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In some jurisdictions, where a locally issued policy is required by local laws or regulations, coverage may be provided by a Zurich Insurance plc partner company. In the majority of jurisdictions, the HLI program provides insurance through a policy issued by Zurich Insurance plc, one of the world’s largest insurance providers. The HLI program does not apply to Hosts who offer accommodations through Airbnb Travel, LLC. The HLI program currently extends to Hosts globally, except for jurisdictions subject to applicable sanctions laws. Insurance providers and countries included The insurance provided through the HLI program does not apply to Hosts who offer accommodations through Airbnb Travel, LLC or Hosts of Experiences. In the United States, in certain instances, the HLI program is underwritten by a non-admitted insurer and may not be subject to your state’s insurance laws and regulations and is not protected by the insolvency guaranty fund.

This HLI program summary does not contain the full terms, conditions, and exclusions.

For information about the claims process, please see the claims section of this document. Hosts or their insurance advisers should check the terms and conditions of their own insurance policy. The Host has the option to make a claim first under the HLI program instead of their own insurance policy as long as the Host’s own insurance policy allows them to do so. Subject to the policy’s terms, insurance coverage under the HLI program provides Hosts with primary liability insurance while hosting guests. For damage to a Host’s property, learn about Airbnb’s Host damage protection program. Host damage protection isn’t an insurance policy. The HLI program does not insure Hosts for damage or loss to their own property or Accommodation. There is no cost to Hosts for them to be insured under the HLI program. The Host liability insurance program (“HLI program”) insures Hosts, in certain countries, for their legal liability for bodily injury or property damage to guests or others resulting from an event that happens during a guest’s Airbnb Stay at the Host’s Accommodation, subject to the terms, conditions, and exclusions of the Host liability insurance policy. Host liability insurance is a key component of AirCover for Hosts, which is top-to-bottom protection for Airbnb Hosts. Host Protection Insurance is now Host liability insurance. Last updated: JanuAbout Host liability insurance