Airbnb Renters Insurance: Protect Your Stay with Peace of Mind

Planning for a trip can be exciting, but it can also be stressful, especially when it comes to finding the perfect place to stay. Airbnb has become a popular choice for travelers who want the comfort of a home away from home. While staying in an Airbnb rental can be a lovely experience, things don’t always go as planned. That is why Airbnb renters insurance is an excellent choice for anyone looking to protect their stay with peace of mind.

What is Airbnb Renters Insurance?

Airbnb renters insurance is a type of insurance that protects guests from any damages or losses that may occur during their stay at an Airbnb rental. This insurance is not offered by Airbnb itself. Instead, it is provided by a third-party insurance company that partners with Airbnb. The insurance provides coverage for a wide range of unforeseen events.

What Does Airbnb Renters Insurance Cover?

Here’s a list of things that are typically covered by Airbnb renters insurance:

Events Covered
Description of Coverage
Accidental Damage
Covers any unintentional damage to the rental property caused by the guest
Covers the loss of personal property due to theft
Covers the guest in case of accidental injury while staying at the rental property
Covers the guest in case of unexpected cancellations or trip interruptions due to covered reasons

Please note that the coverage limit and terms may vary depending on the insurance policy that you choose.

Is Airbnb Renters Insurance Necessary?

While Airbnb renters insurance is not mandatory, it is highly recommended. When you consider the risks involved in renting a home, insurance coverage can provide a sense of security and peace of mind. With the right insurance policy, you can protect yourself against any unforeseen damage or loss. Without it, you may end up paying for damages or losses out of your own pocket.

How to Get Airbnb Renters Insurance

If you’re interested in getting Airbnb renters insurance, here’s what you need to do:

Step 1: Check Your Host’s Insurance Policy

The first step is to check if your host has insurance coverage that extends to guests. Some hosts may already have insurance that covers accidental damage or theft, so it’s always a good idea to ask.

Step 2: Choose an Insurance Provider

If your host does not have insurance coverage or if you want to have additional coverage, you can choose from several insurance providers that offer Airbnb renters insurance. Some of the most popular providers include:

  • Proper Insurance
  • Lemonade
  • CBIZ Vacation Rental Insurance
  • Assurant

Step 3: Get a Quote

After choosing an insurance provider, you can get a quote by providing some basic information about your trip and the rental property. The quote will include the coverage limit and the premium.

Step 4: Make a Payment

If you’re satisfied with the quote, you can make a payment and purchase the insurance policy. The policy will be valid for the duration of your stay.


Is Airbnb Renters Insurance Expensive?

The cost of Airbnb renters insurance varies depending on the provider, the coverage limit, and the duration of your stay. However, in most cases, it is affordable and can be purchased for as low as $5 per night.

How Much Coverage Do I Need?

The amount of coverage that you need depends on the value of the rental property and your personal belongings. It’s always a good idea to choose a coverage limit that is higher than the actual value to ensure that you’re adequately covered in case of a loss.

Do I Need to Purchase Airbnb Renters Insurance for Every Trip?

No, you don’t need to purchase Airbnb renters insurance for every trip. If you purchase an annual policy, you will be covered for all your trips throughout the year.

Is Airbnb Renters Insurance the Same as Homeowners Insurance?

No, Airbnb renters insurance is not the same as homeowners insurance. Homeowners insurance is a type of insurance that covers property owners, while Airbnb renters insurance is specifically designed for guests who rent a property.

What Happens If I Don’t Have Airbnb Renters Insurance?

If you don’t have Airbnb renters insurance and you accidentally damage the rental property, you may end up paying for the damages out of your own pocket. This can be expensive and can ruin your travel budget. With Airbnb renters insurance, you can avoid these unexpected expenses and enjoy your stay without any worries.


Staying at an Airbnb rental can be an enjoyable and memorable experience. However, it’s always wise to be prepared for any unforeseen events that may occur during your stay. Airbnb renters insurance can provide you with the protection and peace of mind that you need to fully enjoy your trip without any worries. So, if you’re planning your next trip, make sure to get Airbnb renters insurance and protect your stay with peace of mind.