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"While AirCover protects you while you’re hosting an Airbnb stay or Experience, it is not a substitute for personal insurance" This is a key point. As a host h

"While AirCover protects you while you’re hosting an Airbnb stay or Experience, it is not a substitute for personal insurance" This is a key point. As a host here in NZ, its basically useless as I still have to have commercial insurance. Aircover only covers you for the period of time that you have someone staying in your property. As soon as they have gone, you have no insurance. So if you have a house listed on Airbnb and someone breaks in and burns it down between bookings, you're not covered.

ThePhysicist 5y ago
I mean the risk you mention seems unrelated to your business relationship with AirBnB. Personally I wouldn't expect their insurance to e.g. cover natural disasters either.
andix 5y ago
Those are two different things. Normal insurances for your house cover fire damage or burglary, but not the damage done by your guests. The Airbnb insurance does exactly that.
system16 5y ago
Why should AirBnb be responsible for covering issues that arise between stays? I mean, it would be nice if I could just sign up as a host for my condo, set it as unavailable for most of the year and get free insurance.
- onionisafruit 5y ago
  The point isn’t that airbnb should cover that situation, it’s that hosts need insurance anyway and that insurance should cover everything this covers plus more.
  - jjeaff 5y ago
    I think some home insurance providers might balk if they find the damages were caused by commercial renters. If this covers all issues related to commercial activity, then you would be fine with just residential homeowner's insurance.
tinyhouse 5y ago
It'd be useful if Airbnb offered a full coverage for a premium. That would make it easier for hosts since getting another insurance yourself is more complicated as you will need to pay much more for insurance that covers Airbnb style rentals, even though that part you already have coverage for and just need regular insurance when the property is not rented.
lbrito 5y ago
If someone breaks in and burns down my house, insurance will be irrelevant as they explicitly do not cover arson. I wonder if other countries have the same policy. I live in Brazil.
ZephyrBlu 5y ago
As a fellow kiwi, I'm curious where you're hosting.

ThePhysicist 5y ago

I mean the risk you mention seems unrelated to your business relationship with AirBnB. Personally I wouldn't expect their insurance to e.g. cover natural disasters either.

andix 5y ago

Those are two different things. Normal insurances for your house cover fire damage or burglary, but not the damage done by your guests. The Airbnb insurance does exactly that.

system16 5y ago

Why should AirBnb be responsible for covering issues that arise between stays? I mean, it would be nice if I could just sign up as a host for my condo, set it as unavailable for most of the year and get free insurance.

onionisafruit 5y ago
The point isn’t that airbnb should cover that situation, it’s that hosts need insurance anyway and that insurance should cover everything this covers plus more.
- jjeaff 5y ago
  I think some home insurance providers might balk if they find the damages were caused by commercial renters. If this covers all issues related to commercial activity, then you would be fine with just residential homeowner's insurance.

tinyhouse 5y ago

It'd be useful if Airbnb offered a full coverage for a premium. That would make it easier for hosts since getting another insurance yourself is more complicated as you will need to pay much more for insurance that covers Airbnb style rentals, even though that part you already have coverage for and just need regular insurance when the property is not rented.

lbrito 5y ago

If someone breaks in and burns down my house, insurance will be irrelevant as they explicitly do not cover arson. I wonder if other countries have the same policy. I live in Brazil.

ZephyrBlu 5y ago

As a fellow kiwi, I'm curious where you're hosting.