En Beach Please, we understand that protecting your property is a top priority. That’s why we want to provide you with an overview of the liability coverage offered by the major booking platforms where we list your vacation rental: Vrbo, Booking.com, and Airbnb. These platforms provide various levels of protection to help safeguard your property and minimize potential risks.
Airbnb: AirCover for Hosts
Airbnb provides one of the most comprehensive protection plans for owners, completely free of charge. Their AirCover for Hosts incluye:
What’s Covered?
✔ $1,000,000 USD in liability coverage for claims involving guest injuries o damage to third-party property.
✔ $3,000,000 USD in property damage protection, covering accidental damage caused by guests.
✔ Protection against deep cleaning costs if a guest leaves a mess beyond normal wear and tear.
✔ Coverage for damage caused by pets, theft, and guest refusal to leave (host protection in case of squatters).
What’s Not Covered?
❌ Pre-existing damage to your property.
❌ Normal wear and tear over time.
❌ Lost income due to cancellations or property damage.
Vrbo: $1M Liability Insurance
Vrbo Liability Insurance Details
Vrbo provides primary liability coverage of up to $1,000,000 USD for all reservations processed through their platform at no additional cost to property owners.
What’s Covered?
✔ Protection against claims for accidental injuries sustained by guests during their stay.
✔ Coverage for damage caused to third-party property by guests (e.g., if a guest accidentally damages a neighboring unit).
What’s Not Covered?
❌ Damage caused by guests to your own property is not covered.
❌ Theft or intentional damage by guests.
For protection against damage to your property, Vrbo recommends that owners require a security deposit or obtain private short-term rental insurance.
Booking.com: Partner Liability Insurance
Booking.com Partner Insurance Details
Booking.com offers primary liability coverage of up to $1,000,000 USD for all stays booked through their platform.
What’s Covered?
✔ Protection against third-party claims por bodily injury o property damage during a guest’s stay.
✔ The coverage applies automatically and adds an extra layer of protection in case of legal claims.
✔ If you already have liability insurance, this can be used in addition to your existing coverage.
What’s Not Covered?
❌ Damage to your own property caused by guests is not covered.
❌ Guest disputes over refunds or cancellations.
Booking.com’s liability insurance is not a replacement for private insurance, so we recommend additional coverage for property damage and theft.
Final Recommendations for Property Owners
While these platforms provide significant liability protection, they no hacer cover all possible risks. We recommend the following additional steps to ensure your vacation rental is fully protected:
- ✅ Obtain short-term rental insurance for additional protection, especially for theft or intentional damage. We recommend HDI Seguros or Novamar.
- ✅ Require security deposits on bookings to cover accidental damages (we already do this automatically).
- ✅ Establish clear house rules to prevent issues.
- ✅ Perform routine inspections to document the condition of your property before and after each stay (we do this before and after every reservation).
En Beach Please, we work hard to ensure that your property is listed safely and securely. If you have any questions about your vacation rental’s protection, feel free to reach out!
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