Hosting on Airbnb can be exciting—you meet new people, earn extra income, and make the most of your property. But with those rewards come risks. What happens if a guest damages your furniture? Or worse, if someone gets injured during their stay?

The truth is, your regular home insurance likely won’t cover short-term guests. And while Airbnb’s Host Guarantee sounds helpful, it leaves big gaps in protection.

That’s why Airbnb insurance—also called short-term rental insurance—is so important. It’s designed to keep your home safe, protect your income, and give you peace of mind as you grow your hosting business.

1. Regular Home Insurance Doesn’t Cover Short-Term Guests

Most homeowners or landlord policies exclude short-term rentals.

This means if damage happens while a paying guest is staying in your property, your claim could be denied. Therefore, without vacation rental insurance, you may have to cover repair or legal costs yourself.

2. Airbnb’s Host Guarantee Isn’t Enough

Airbnb offers a Host Guarantee program, but it’s not real insurance. It comes with strict exclusions and fine print.

For example, it doesn’t cover:

In addition, these gaps leave your Airbnb business exposed to big risks that only proper insurance can cover.

3. Protection Against Guest Damage

Even great guests can cause accidents.

If your TV gets broken, your carpet stained, or your furniture damaged, Airbnb property damage insurance can cover the cost of fixing or replacing items. As a result, you don’t have to stress about unexpected repair bills.

4. Liability Coverage That Saves You Thousands

Imagine a guest slips on a wet floor or falls down the stairs. Without insurance, you could face medical costs, lawsuits, and legal fees.

Airbnb liability coverage helps protect you in these situations. Moreover, it gives you peace of mind that one accident won’t ruin your business.

5. Income Protection When You Can’t Host

If your property needs repairs due to guest-caused damage, you may lose weeks of rental income.

Short-term rental business insurance can reimburse you for that lost revenue. In addition, this coverage is essential if Airbnb income is part of your financial plan.

6. Builds Guest Trust and Credibility

Guests feel more confident booking with hosts who treat their rentals like a business.

Having vacation rental insurance shows professionalism and care. In addition, properties that use Hosteeva’s platform or Hosted. by Hosteeva often stand out as safer, better managed, and more trustworthy.

Hosteeva Pro Tip

If you’re managing multiple rentals, bundling your insurance across all listings can save money and make it easier to handle claims. Some providers even integrate with management platforms.

Moreover, Hosteeva EvaAI helps you automate guest messages, pricing, and bookings while you focus on keeping your properties protected.

Final Thoughts

Airbnb hosting can be fun and profitable—but it also comes with real risks. Short-term rental insurance is not just another bill; it’s an investment in your business and your peace of mind.

At Hosteeva, we help property owners and managers simplify their work, automate tasks, and protect what matters most. Whether you’re renting out one room or managing a whole building, we’ve got your back.

👉 Take the first step toward stress-free hosting — let Hosteeva help you manage your property through Hosted. by Hosteeva, automate your day-to-day with EvaAI, and secure the right insurance with ease.