Host Liability Insurance

Host Liability Insurance is an essential protection for Airbnb, Vrbo, and other short-term rental hosts. It covers incidents where a guest is injured on your property or damages someone else's property during their stay. The policy typically covers medical expenses, legal fees, and potential lawsuits. This type of insurance can shield you from the financial strain caused by an accident that might occur during a guest's visit.

What It Covers:

Injuries to Guests: If a guest slips, falls, or sustains an injury while on your property, Host Liability Insurance will cover medical bills and potential legal expenses.

Damage to Others' Property: If your guest accidentally damages a neighbor's property (e.g., breaking a fence, causing water damage to a nearby home), this insurance will cover the costs of repairs or replacement.

Legal Fees: If a guest decides to sue you for negligence, Host Liability Insurance will cover legal defense costs, including lawyer fees and court expenses.