Airbnb Host Insurance: What You Need to Know

Picture this: You’re sipping your morning coffee, scrolling through your Airbnb host app, when suddenly you see a message from a guest. They’ve accidentally broken your antique vase, and worse, they’ve somehow managed to flood the bathroom. Yikes! 😱

As an Airbnb host, I’ve learned the hard way that expecting the unexpected isn’t just a cute saying – it’s a necessity. That’s where Airbnb host insurance comes in, folks. It’s like a superhero cape for your property, ready to swoop in and save the day when things go sideways.

Did you know that a whopping 43% of Airbnb hosts have reported some form of property damage by guests? That stat kept me up at night when I first started hosting. But don’t worry, I’m here to share everything I’ve learned about Airbnb host insurance, so you can rest easy and focus on being the awesome host you are.

In this guide, we’ll dive into the nitty-gritty of Airbnb host insurance. We’ll explore what it covers, what it doesn’t, and why it’s absolutely crucial for your peace of mind (and your wallet). Whether you’re a seasoned Superhost or just dipping your toes into the Airbnb waters, this information is going to be your new best friend. So, grab a comfy seat, and let’s unravel the mysteries of Airbnb host insurance together! And the best part? Airbnb’s protections come at no additional cost.

Understanding Airbnb’s Built-in Protection

Alright, let’s talk about the safety net Airbnb throws your way. It’s called AirCover for Hosts, and it includes host damage protection, providing up to $3 million for damages caused by guests to a host’s property and personal belongings. Most of the time, they do – but sometimes, well, you might need a bit more backup.

When I first heard about AirCover, I thought, “Sweet! I’m all set!” But then I dug a little deeper, and boy, was I in for a surprise. Here’s the scoop:

What AirCover for Hosts Offers:

$3 million liability insurance: This host liability insurance covers you if a guest gets hurt on your property. Trust me, you don’t want to skimp on this!
$1 million damage protection: This is for those “oops” moments when guests accidentally break something. Like that time a guest’s kid thought my coffee table was a trampoline. 🤦‍♂️
Pet damage coverage: Because sometimes Fluffy isn’t as well-behaved as their humans claim.
Deep cleaning protection: For when guests leave your place looking like a frat house after a wild party.

But here’s the kicker – AirCover isn’t all sunshine and rainbows. There are some serious limitations you need to know about:

Limitations of AirCover:

It’s not a replacement for a homeowners insurance policy: I learned this the hard way when a pipe burst in my Airbnb. AirCover didn’t cover it because it wasn’t guest-related. A homeowners insurance policy is essential to cover such incidents.

There are exclusions: Things like wear and tear, mysterious disappearances (aka theft without proof), and damage to shared or common areas often aren’t covered.

Time limits for claims: You’ve got to be quick on your feet. Most claims need to be filed within 14 days of guest checkout.

It doesn’t cover loss of income: If you have to cancel bookings due to damage, you’re on your own for that lost revenue.

Now, don’t get me wrong – AirCover is great to have. It’s saved my bacon more than once. But relying on it as your only form of protection? That’s like using an umbrella in a hurricane. You might stay dry for a minute, but eventually, you’re going to get soaked.

That’s why many hosts, myself included, opt for additional insurance. It’s like wearing both a belt and suspenders – you can never be too careful when it comes to protecting your property and your business.

In the next section, we’ll dive into the types of insurance you might want to consider to fill in those gaps that AirCover leaves wide open. Trust me, your future self will thank you for being this prepared!

Types of Insurance for Airbnb Hosts

Alright, now that we’ve covered Airbnb’s built-in protection, let’s dive into the world of additional insurance options. Standard home insurance policies may not cover rental activities, so it’s important to consider additional coverage. It’s like choosing toppings for your pizza – you want to make sure you’ve got all your bases covered without going overboard. Trust me, I’ve been through the insurance buffet, and I’m here to give you the inside scoop!

1. Short-term Rental Insurance

This is the rockstar of Airbnb host insurance. It’s specifically designed for folks like us who rent out our properties for short periods.

When I first started hosting, I thought my regular homeowners insurance had me covered. Boy, was I wrong! My insurance agent nearly choked on his coffee when I told him I was using my place for Airbnb. That’s when I learned about short-term rental insurance. Most standard homeowners insurance policies have exclusions related to rental activities, which means they often do not adequately cover the unique risks associated with renting properties.

Pro tip: This type of insurance often covers things like:

Damage caused by guests (beyond what AirCover offers)
Liability if a guest gets injured
Loss of income if you can’t rent out your place due to damage
Even some of your personal property that guests might use

2. Landlord Insurance

Now, if you’re renting out an entire property that you don’t live in, landlord insurance might be your jam.

I have a buddy who thought his regular homeowners insurance would cover his Airbnb property across town. Spoiler alert: it didn’t. Landlord insurance is like homeowners insurance’s cooler, more understanding cousin who doesn’t freak out when you mention “short-term rentals.”

3. Commercial Property Insurance

This one’s for the big leagues. If you’re running multiple Airbnb properties or treating it like a full-blown business (hello, side hustle turned empire!), commercial property insurance might be worth looking into.

I remember when I expanded to my second Airbnb property. My insurance agent sat me down and said, “Buddy, you’re not just hosting anymore. You’re running a business.” That’s when we started talking commercial property insurance.

4. General Liability Insurance

Think of this as your safety net for those “oh crap” moments. It covers you if someone gets hurt on your property or if you accidentally damage someone else’s property. Additionally, general liability insurance includes host liability protection, which safeguards you against claims made by guests, separate from host damage protection that covers physical damages to your property.

I once had a guest slip on some water that had splashed out of the hot tub. Thankfully, my general liability insurance saved me from a potential lawsuit headache. Phew!

5. Umbrella Insurance

Last but not least, there is umbrella insurance. It’s like the overachiever of the insurance world – it kicks in when your other policies hit their limits.

I’ll be honest, I didn’t think I needed this at first. But then a storm damaged my roof, a guest slipped on the wet floor, and suddenly I was looking at costs way beyond my regular policy limits. Umbrella insurance swooped in like a superhero!

While Airbnb provides some coverage through AirCover, it is not a substitute for personal insurance. Specialized policies, like those from Proper Insurance, are tailored to address the specific risks associated with short-term rentals.

Remember, the key is to find the right mix for your specific situation. Maybe you need a combo of short-term rental insurance and an umbrella policy. Or perhaps landlord insurance is enough for your needs.

Don’t be afraid to shop around and ask questions. And for the love of all that’s holy, read the fine print! I know it’s about as exciting as watching paint dry, but trust me, it’s worth it.

In the next section, we’ll break down the key coverage areas you should be looking for in your insurance policies. Stick around – it’s about to get really interesting (well, as interesting as insurance can get, anyway)!

Key Coverage Areas to Consider

Alright, fellow hosts, now that we’ve got the insurance types down, let’s talk about what you actually need these policies to cover. It’s like packing for a trip – you want to make sure you’ve got all the essentials without lugging around unnecessary baggage.

1. Property Damage

This is the biggie, folks. I can’t tell you how many times I’ve been grateful for solid property damage coverage.

There was this one time when a guest decided to have an impromptu dance party and put their foot through my drywall. Another time, someone thought it’d be cool to see if my fancy non-stick pans were really non-stick (spoiler alert: they weren’t after that experiment).

Make sure your policy covers:

Accidental damage by guests
Vandalism (rare, but it happens)
Damage to furniture, appliances, and fixtures
Natural disasters (depending on your location)

Pro tip: Check if your policy has a lower limit for valuable items. I learned this the hard way when a guest broke my grandmother’s antique vase.

2. Liability Protection

This is your safety net for those “oh no” moments when someone gets hurt on your property.

I once had a guest slip on a wet bathroom floor and sprain their ankle. Another time, a guest’s dog bit the mailman (I know, I couldn’t make this stuff up if I tried). Liability protection saved my bacon both times.

Look for coverage that includes:

Medical expenses for injured guests
Legal fees if you get sued
Protection against claims of negligence

3. Loss of Income

This one’s a game-changer, trust me. What happens if your place is damaged and you can’t host for a while?

I had a small kitchen fire once (note to self: remind guests not to leave the stove unattended), and it took two weeks to get everything fixed up. That’s two weeks of bookings down the drain. Thankfully, my insurance covered the lost income.

Make sure your policy includes:

Compensation for cancelled bookings due to property damage
Coverage for time spent making repairs
Protection against unforeseen circumstances that prevent you from hosting

4. Personal Property Coverage

This one’s tricky because it’s easy to overlook. You might think, “Well, I’ve got homeowners insurance for my stuff.” But here’s the kicker – many homeowners policies won’t cover your personal items if they’re damaged by paying guests.

I learned this lesson when a guest accidentally knocked over my laptop. My homeowners insurance gave me the old “sorry, not covered” routine. Now, I make sure my Airbnb insurance covers personal property too.

Look for policies that protect:

Electronics (TVs, sound systems, etc.)
Furniture
Artwork and decorative items
Any personal items you leave for guests to use

5. Additional Living Expenses

This is the unsung hero of insurance coverage. If your Airbnb is in your primary residence and it becomes uninhabitable due to guest damage, you might need a place to crash.

I had a pipe burst once after a guest tried their hand at amateur plumbing (pro tip: always leave a list of local handymen). My entire ground floor was flooded, and I had to stay in a hotel for a week. Thank goodness my insurance covered those additional living expenses!

Make sure your policy includes:

Hotel stays if you’re displaced
Meal expenses
Other necessary costs incurred if you can’t live in your home

Remember, every Airbnb setup is unique. Maybe you’re renting out a spare room, or perhaps you’ve got a whole property dedicated to Airbnb. Your insurance needs will vary based on your specific situation.

Don’t be shy about asking your insurance agent a million questions. Trust me, they’d rather answer your questions now than deal with a claim you thought was covered later.

In the next section, we’ll dive into the factors that affect your insurance costs. Because let’s face it, everyone wants great coverage, but no one wants to break the bank getting it!

Factors Affecting Airbnb Host Insurance Costs

Alright, fellow hosts, let’s talk money. Specifically, what’s going to affect how much you’ll be shelling out for your Airbnb insurance. Buckle up, because this is where things get real!

1. Property Location and Type

Where your Airbnb is located can have a huge impact on your insurance costs. It’s like real estate – location, location, location!

Urban vs. Rural: My city apartment costs more to insure than my buddy’s country cottage. Why? More people = more risk, apparently.
Natural Disaster Prone Areas: If you’re in an area prone to hurricanes, floods, or earthquakes, expect to pay more. Mother Nature isn’t cheap to insure against!
Crime Rates: High crime area? Your premiums might be higher. It’s not fair, but it’s how insurance companies think.
Property Type: A standalone house might be pricier to insure than a condo, due to more personal responsibility for the structure.

Personal Experience: When I moved my Airbnb from the suburbs to downtown, my insurance cost jumped by 30%! But the increased bookings more than made up for it.

2. Occupancy Rate

This one’s a bit of a double-edged sword. Higher occupancy means more income, but it also means more risk in the eyes of insurance companies.

Full-time vs. Part-time Hosting: If you’re hosting 365 days a year, you’ll likely pay more than someone who only hosts on weekends.
Short-term vs. Long-term Rentals: Frequent guest turnover can increase your rates.

Pro Tip: Some insurance companies offer discounts for properties with high ratings and experienced hosts. It’s worth asking about!

3. Coverage Limits

This one’s pretty straightforward – the more coverage you want, the more you’ll pay. It’s like buying a pizza – every extra topping costs ya!

Property Value: Insuring a luxury penthouse will cost more than a modest studio.
Liability Limits: Higher liability coverage = higher premiums.
Additional Coverages: Things like loss of income protection or coverage for high-value items will bump up your costs.

My Two Cents: Don’t skimp on coverage to save a few bucks. I learned this the hard way when I had to pay out of pocket for damages that exceeded my too-low coverage limit.

4. Deductibles

Ah, deductibles – the insurance world’s version of “you have to spend money to make money.”

Higher Deductible = Lower Premium: If you’re willing to pay more out of pocket in case of a claim, your regular payments will be lower.
Lower Deductible = Higher Premium: Want to pay less when you make a claim? You’ll pay for that privilege in higher premiums.

Personal Strategy: I go for a middle-ground deductible. It keeps my premiums reasonable, but I’m not sweating bullets at the thought of having to make a claim.

5. Claims History

This is where your hosting past comes back to haunt you (or reward you!).

No Claims = Potential Discounts: Some companies offer a claim-free discount. It’s like a reward for being a responsible host!
Multiple Claims = Higher Premiums: If you’ve made several claims in the past, expect to pay more. Insurance companies see you as a higher risk.

Embarrassing Admission: I once had three claims in one year (don’t ask – it was a rough year). My premiums shot up faster than a cat on a hot tin roof!

Remember, every insurance company weighs these factors differently. That’s why it’s so important to shop around and get multiple quotes. What’s expensive with one company might be a bargain with another.

In the next section, we’ll talk about how to choose the right insurance policy. Because now that you know what affects the cost, it’s time to learn how to get the best bang for your buck!

How to Choose the Right Insurance Policy

Alright, hosts, we’ve made it to the big decision! Choosing the right insurance policy can feel like trying to pick the perfect avocado – it’s tricky, but oh so important. Let’s break it down into manageable steps.

1. Assessing Your Specific Needs

First things first, you need to take a good, hard look at your Airbnb situation. It’s like taking inventory of your fridge before a big grocery shop.

Property Type: Are you renting out a spare room, an entire apartment, or a standalone house?
Hosting Frequency: Are you a weekend warrior or a full-time host?
Location Risks: Is your property in a flood zone? High crime area? Earthquake-prone region?
Value of Property and Contents: Got any fancy artwork or high-end appliances?

Personal Experience: When I started hosting, I thought my regular homeowner’s insurance was enough. Big mistake! After a guest flooded my bathroom, I realized I needed coverage specifically for short-term rentals.

2. Comparing Different Insurance Providers

Now it’s time to shop around. Think of it like dating – you’ve got to meet a few frogs before you find your prince(ss).

Get Multiple Quotes: Don’t settle for the first option. I usually get at least three quotes.
Check Specialization: Some companies specialize in short-term rental insurance. They might offer more tailored coverage.
Read Reviews: See what other hosts are saying. But remember, people are more likely to write reviews when they’re unhappy, so take it with a grain of salt.

Pro Tip: Don’t just focus on price. The cheapest option isn’t always the best. Look at the coverage limits and what’s actually included.

3. Reading the Fine Print

I know, I know. Reading insurance policies is about as fun as watching paint dry. But trust me, it’s crucial.

Exclusions: What’s not covered? This is super important.
Claim Process: How easy is it to make a claim? Some companies have apps that make it a breeze.
Coverage Limits: Make sure the limits are high enough for your needs.
Deductibles: How much will you need to pay out of pocket for a claim?

Embarrassing Admission: I once skipped reading the fine print and missed that my policy had a $5,000 deductible for water damage. Guess who had to pay $5,000 out of pocket when a guest left the bathtub running? This guy. 👈

4. Considering Bundle Options

Sometimes, you can save money by bundling different types of insurance together. It’s like buying in bulk at Costco, but for insurance.

Home + Airbnb Insurance: Some companies offer discounts if you insure your primary residence and Airbnb property together.
Auto + Airbnb Insurance: Weird combo, I know, but it can sometimes lead to savings.

My Experience: I saved about 15% on my premiums by bundling my home, auto, and Airbnb insurance with the same company. That’s money I can put towards upgrading my guests’ experience (or, let’s be real, my Netflix subscription).

5. Talking to an Insurance Agent

Sometimes, it helps to talk to a real human being. A good insurance agent can be like a trusted friend who happens to know a lot about, well, insurance.

Ask Questions: No question is too silly. Trust me, they’ve heard it all.
Explain Your Situation: The more they know about your Airbnb setup, the better they can advise you.
Get Explanations: If something’s not clear, ask them to explain it in simple terms.

Pro Tip: If an agent is pushing you towards a particular policy without fully explaining why, or if they seem dismissive of your questions, find another agent. You want someone who’s on your team.

Remember, the right insurance policy is out there. It might take some time and effort to find it, but it’s worth it for the peace of mind. And hey, once you’ve got it sorted, you can get back to the fun part of hosting – like deciding whether to put mints on the pillows or not. (Pro tip: Always go for the mints. Your guests will thank you!)

Common Insurance Pitfalls for Airbnb Hosts

Alright, fellow hosts, it’s time for some real talk. We’ve all made mistakes (like that time I thought it was a good idea to let guests bring their pet tarantula), but when it comes to insurance, some mistakes can be costly. Let’s dive into the common pitfalls so you can avoid them like a bad guest review.

1. Relying Solely on Homeowners Insurance

This is the granddaddy of all Airbnb insurance mistakes. I get it, you’ve got homeowners insurance, so you’re covered, right? Wrong!

The Reality: Most homeowners policies exclude or severely limit coverage for commercial activities, which includes short-term rentals.
The Consequence: If something goes wrong, you could be left high and dry, paying for damages out of pocket.

My Embarrassing Story: When I first started hosting, I thought my homeowners insurance had me covered. Then a guest’s dog chewed through my living room carpet. My insurance company’s response? “Sorry, not covered.” Ouch.

2. Underestimating Coverage Needs

It’s tempting to go for the bare minimum coverage to save a few bucks. But trust me, that’s like using a umbrella in a hurricane.

The Mistake: Not considering worst-case scenarios when choosing coverage limits.
The Risk: Being underinsured if a major incident occurs.

Pro Tip: Think about the most expensive items in your Airbnb. Now imagine having to replace all of them at once. That’s the level of coverage you should consider.

3. Failing to Update Policies Regularly

Your Airbnb business is evolving, and your insurance should too. It’s not a set-it-and-forget-it kind of deal.

The Oversight: Not reviewing and updating your policy as your Airbnb business changes.
The Problem: Your coverage might not reflect your current situation, leaving gaps in protection.

Personal Experience: I once upgraded my entire kitchen without updating my policy. A few months later, a guest accidentally started a small fire. Guess who wasn’t fully covered for the fancy new appliances? This guy. 🤦‍♂️

4. Not Understanding Policy Exclusions

The fine print isn’t just there to make the document look longer. It’s crucial info, people!

The Mistake: Assuming everything is covered without reading the exclusions.
The Surprise: Finding out certain incidents or items aren’t covered when you try to make a claim.

Real Talk: I once had a guest steal some expensive electronics. When I tried to claim it, I found out my policy had a sneaky little exclusion for theft by guests. Lesson learned: read every word of that policy!

5. Ignoring Liability Coverage

Property damage is obvious, but don’t forget about liability. It’s like the backbone of your insurance – not flashy, but oh so important.

The Oversight: Focusing only on property coverage and neglecting liability protection.
The Risk: Being financially exposed if a guest gets injured on your property.

Cautionary Tale: A friend of mine didn’t have adequate liability coverage. A guest slipped on her wet deck and sued for medical expenses. Let’s just say my friend’s savings took a hit that could have been avoided.

6. Not Disclosing Airbnb Activities to Insurers

Honesty is the best policy, especially when it comes to, well, policies.

The Temptation: Not telling your insurance company about your Airbnb activities to avoid higher premiums.
The Danger: Your insurer could deny claims or cancel your policy if they find out.

Word to the Wise: Always be upfront with your insurance company. Yes, your premiums might be higher, but it’s better than having no coverage when you need it most.

Remember, folks, insurance is like a parachute. If you need it and don’t have it, you’ll probably never need it again. Take the time to get it right, and you can host with confidence, knowing you’re protected against whatever curveballs your guests (or fate) might throw your way.

Next up, we’ll talk about how to actually file a claim if you need to. Stay tuned – it’s like a Choose Your Own Adventure book, but with less dragons and more paperwork!

Steps to File an Insurance Claim

Alright, fellow hosts, let’s talk about something we all hope we never have to do but should know how to do anyway – filing an insurance claim. It’s like knowing how to change a tire. You hope you never need to, but when you do, you’ll be glad you know how!

1. Documenting the Incident

First things first, channel your inner detective and document everything.

Take Photos: Lots of them. From every angle. It’s like Instagram, but for insurance purposes.
Write Down Details: What happened? When? How? Who was involved?
Gather Witness Statements: If applicable, get statements from guests or neighbors.

Personal Experience: I once had a guest accidentally break an antique mirror. I took so many photos, I felt like paparazzi. But guess what? Those photos made the claims process smooth as butter!

2. Contacting Your Insurance Provider

Time to break the news to your insurance company. Deep breaths, you’ve got this!

Don’t Delay: Most policies have a time limit for reporting incidents.
Use the Designated Claims Number: It’s usually different from the general customer service line.
Have Your Policy Number Ready: It’s like your insurance ID – don’t leave home without it!

Pro Tip: Save your insurance company’s claims number in your phone. Trust me, when you’re stressed about a claim, the last thing you want to do is hunt for a phone number.

3. Filling Out Claim Forms

Ah, paperwork. Everyone’s favorite part. (Said no one ever.)

Be Thorough: The more details you provide, the smoother the process.
Be Honest: Fibbing on a claim form is a big no-no and can lead to denied claims or worse.
Keep Copies: Of everything. And I mean everything.

My Two Cents: I keep a folder (both physical and digital) for all claim-related documents. It’s saved my bacon more than once when the insurance company needed additional info.

4. Working with Claims Adjusters

Meet your new best friend (or frenemy) – the claims adjuster.

Be Cooperative: They’re just doing their job, even if it feels like an interrogation sometimes.
Provide Requested Information Promptly: The faster you respond, the faster your claim gets processed.
Take Notes During Conversations: Trust me, you’ll thank yourself later.

Awkward Moment Alert: I once had a claims adjuster ask to see the guest bedroom where the incident occurred. Guess who forgot to make the bed that morning? Lesson learned – always be prepared for impromptu insurance inspections!

5. Getting Repair Estimates

Time to assess the damage and figure out what it’ll cost to fix.

Get Multiple Estimates: Your insurance company will probably require this anyway.
Use Licensed Professionals: Your cousin’s friend who’s “good with tools” doesn’t count.
Keep All Receipts: For any emergency repairs or out-of-pocket expenses.

Word of Caution: Don’t start any major repairs until your insurance company gives the green light. I learned this the hard way when I jumped the gun on replacing a damaged floor. Nearly voided my entire claim!

6. Following Up on Your Claim

The waiting game begins. But that doesn’t mean you should just sit back.

Stay in Touch: Don’t be afraid to check in on the status of your claim.
Keep a Claim Diary: Note down every interaction, including dates and names.
Be Patient but Persistent: Claims can take time, but don’t let yours fall through the cracks.

Personal Strategy: I set reminders to follow up every two weeks if I haven’t heard anything. It keeps the ball rolling without being too pushy.

Remember, filing a claim isn’t anyone’s idea of a good time. But being prepared and knowing the process can make it a lot less painful. And hey, once it’s all sorted, you’ll have a great story to share with your fellow hosts. Because if we can’t laugh about our hosting mishaps, what’s the point, right?

Stay tuned for the final section where we’ll wrap this all up and send you off into the world of Airbnb hosting, armed with all this insurance knowledge!

Protecting Your Airbnb Business

Well, fellow hosts, we’ve been on quite a journey through the wild world of Airbnb insurance. We’ve laughed, we’ve cried (okay, maybe that was just me when I remembered some of my insurance blunders), and hopefully, we’ve learned a thing or two. Let’s wrap this up with some key takeaways:

Airbnb’s Built-in Protection Isn’t Enough: AirCover is great, but it’s not a substitute for comprehensive insurance. It’s like using a band-aid when you need stitches – helpful, but not quite enough.
Tailored Insurance is Key: Just like how every Airbnb is unique, your insurance needs are too. Don’t settle for one-size-fits-all coverage. Your Victorian mansion with a moat needs different insurance than my studio apartment (still working on that moat, though).
Read the Fine Print: I know it’s about as exciting as watching paint dry, but understanding your policy is crucial. Think of it as binge-watching a really boring, but potentially life-saving TV show.
Regular Reviews are Essential: Your Airbnb business is evolving, and your insurance should too. Set a calendar reminder to review your policy annually. Future you will thank present you.
Don’t Skimp on Liability: It’s tempting to focus on property coverage, but liability protection is your safety net. It’s like wearing pants – you might not always need them, but when you do, you’re really glad you have them on.

Remember, the right insurance isn’t just about protecting your property – it’s about protecting your peace of mind. It’s what allows you to hand over those keys to strangers without breaking into a cold sweat.

Now, I’m not saying that with the right insurance, nothing will ever go wrong. We’re dealing with humans here, after all. But good insurance means that when things do go sideways (and trust me, at some point, they will), you’re not facing it alone.

So, take some time to review your current coverage. Call your insurance agent (I promise they don’t bite). Ask questions. And most importantly, make sure you’re protected.

Because at the end of the day, being a great Airbnb host isn’t just about having the fluffiest towels or the best local restaurant recommendations (although those certainly help). It’s about creating a safe, welcoming space for your guests and a sustainable business for yourself.

Now, go forth and host with confidence! And if you ever find yourself with a guest who wants to bring their pet llama, well… maybe give your insurance agent a quick call first. Just in case.

Stay safe, stay covered, and happy hosting!