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Airbnb® Insurance Airbnb provides Host Protection Insurance which covers Airbnb hosts as well as property owners around the world. It largely focuses on shielding the host and/or property owner against responsibility when insurance claims are brought by third parties, like a next-door neighbor and including visitors that stay at the property. Protection runs up to $1 million USD per occurrence in case of property damage or personal injury. Featured in the insurance coverage are common areas like entrance halls or elevators. Airbnb insurance coverage is primary liability insurance that shields the host, property owner or homeowners association from suits brought by a visitor to cover points like damages to the property or an accident sustained during their stay in the house. There are lots of points, nonetheless, which are not protected by Airbnb insurance. The Airbnb Host Protection plan is only for liability as mentioned above. It does not consist of points such as building damage that is willful, instead of unintended. Nor does it protect building damages such as mold or pollution. And it likewise does not cover loss of income. So visualize if a flood or fire happens during a guest's stay and you are not able to rent the area till mitigation is complete. Not having coverage to compensate you for both damages to the home or loss of earnings can be devastating to your income.
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