Airbnb Host Checklist: Insurance, Safety, and Legal Requirements
- Nate Jones, CPCU, ARM, CLCS, AU
- Oct 10
- 2 min read
Becoming an Airbnb host can be a profitable venture, but it comes with responsibilities that go beyond hospitality. From insurance coverage to safety protocols and legal compliance, hosts must be proactive to protect their property, guests, and income.
At Wexford Insurance, we specialize in rental property insurance for Airbnb hosts, offering tailored coverage that goes beyond Airbnb’s built-in protections. This checklist will help you understand what you need to operate safely and legally.
✅ Insurance Essentials for Airbnb Hosts
1. Airbnb’s AirCover Program.
Airbnb provides AirCover, which includes:
$1 million in host liability coverage
$3 million in damage protection
Coverage for pet damage and cleaning costs
Income loss protection for canceled bookings due to guest damage
However, AirCover is not a substitute for a comprehensive insurance policy. It only applies during guest stays and excludes wear and tear, intentional damage, and some liability claims.
2. Why You Need Third-Party Insurance
Standard homeowners' insurance often excludes short-term rental activity. That means if a guest causes damage or gets injured, your claim could be denied.
Wexford Insurance offers specialized short-term rental insurance that includes:
Property damage caused by guests
Liability protection for injuries or lawsuits
Loss of rental income due to covered events
Coverage during vacancy periods
Protection for amenities like pools and hot tubs
✅ Safety Checklist for Hosts
1. Install Safety Devices
Smoke and carbon monoxide detectors
Fire extinguishers on every floor
First aid kits in accessible locations
Smart locks or deadbolts for secure access
2. Emergency Info
Provide guests with emergency contact numbers
Include a safety card with instructions for gas/water shutoff
Post evacuation routes and CPR instructions if applicable
3. Pool or Water Safety (if applicable)
Install fences and alarms around pools
Provide life vests and rescue equipment
Include pool safety rules in your house manual
✅ Legal Requirements for Airbnb Hosts
1. Local Permits and Licenses
Many cities require short-term rental permits, business licenses, or registration with local authorities. Check your city’s zoning laws and occupancy limits.
2. Tax Obligations
Hosts may be responsible for collecting and remitting lodging, sales, or occupancy taxes. Airbnb may handle this in some areas, but not all.
3. HOA and Condo Rules
Even if short-term rentals are legal in your city, your HOA or condo board may restrict or ban them. Always verify before listing.
Final Thoughts
Hosting on Airbnb is more than just listing your property—it’s about creating a safe, legal, and well-protected environment for guests. While Airbnb offers basic coverage through AirCover, it’s not enough to fully protect your investment.
Wexford Insurance provides comprehensive short-term rental insurance designed specifically for Airbnb hosts. Whether you rent occasionally or operate full-time, we help you stay covered and confident. Connect today!
FAQs
Q1: Is Airbnb’s AirCover enough to protect my property?
No. AirCover has limitations and doesn’t replace a full insurance policy. You need third-party coverage for complete protection.
Q2: Do I need a permit to host on Airbnb?
Yes, in many cities. Requirements vary by location, so check with your local government.
Q3: What safety features should I include in my Airbnb?
Smoke detectors, fire extinguishers, first aid kits, secure locks, and emergency contact info are essential.
