The Hartford doesn’t offer AirBnB insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
Why Might You Need Airbnb Liability Insurance?
Airbnb insurance is a collection of business insurance coverages designed to help you handle the issues that even seasoned hosts can’t predict, like a slip and fall in the shower, water damage right before the busy season or a neighbor’s dispute over rowdy guests. Being a Superhost means staying ahead of these risks to help protect both your investment and hard-earned reputation.
An Airbnb insurance package could include these common types of coverage:
- Business Owner’s Policy (BOP)
- Cyber Insurance
- General liability insurance
Airbnb liability coverage can help protect your rentals from many potential risks, like:
- Property Damage: A guest melts a plastic bowl on your high-end range and ruins its finish.
- Lost Income: A plumbing issue forces you to cancel bookings and lose revenue during the busy season.
- Neighborhood Complaints: Guests ignoring quiet hours results in an HOA fine.
What Airbnb Rental Insurance Coverages Do I Need?
When it comes to getting insurance on Airbnb properties, you’ll need coverage that matches your potential risks. Many Airbnb hosts have a Business Owner’s Policy (BOP) for the peace of mind it can provide. It combines three types of coverage to help protect you from challenges that can commonly come up during normal operations:
General liability insurance helps protect your rental business from claims that it caused bodily injury or property damage to others. For example, if a guest trips on an uneven step and sues you for medical costs, this coverage can help.
Commercial property insurance helps protect your Airbnb property, as well as the owned or rented tools, equipment and supplies you rely on to run your business. These can include:
- Furniture
- Appliances
- Food
- Equipment for outdoor activities
- Supplies
Business income insurance helps replace lost wages if you can’t operate your Airbnb property temporarily because of covered property damage, such as fire, theft or wind.
It’s important to know that a BOP won’t cover every kind of claim you may face as you operate your Airbnb. You may need other types of insurance, such as:
Commercial auto insurance to help cover the costs of an auto accident that occurs while you or one of your employees uses a company-owned vehicle for work. For example, if your property manager gets into a fender-bender while delivering supplies to your rental, this coverage can help. If you use a personally-owned vehicle for work, you may want to consider hired and non-owned auto insurance.
Cyber insurance to help you respond to a breach if personally identifiable information (PII) gets lost or stolen. This coverage can help pay for notifications to impacted customers and lawsuits if you get sued.
How Much Does Liability Insurance for Airbnb Hosts Cost?
Although The Hartford doesn’t offer Airbnb insurance coverage, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your coverage costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
Insurance costs vary because every property faces unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Location of your property
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific Airbnb coverage costs, get a free online get a free quote online through Tivly.
General Liability Insurance
“A guest claimed our landscaper backed into their car while it was parked in the driveway.”
General liability helps cover claims that your rental business caused bodily injury or property damage to someone else.
Business Income Insurance
“A burst pipe flooded the kitchen of a rental, and we lost bookings while it was being repaired.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your rental business is unable to operate temporarily because of property damage from fire, theft, wind or vandalism.
Commercial Property Insurance
“A kitchen fire in my rental quickly spread throughout the home. We lost all the furniture, and there was significant smoke damage.”
Commercial property insurance helps protect your rental business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Short-Term Rental Coverage
“A guest’s dog destroyed our garden and chewed some of the furniture.”
Short-term rental insurance, or landlord insurance, helps protect your Airbnb from property damage or certain liability claims.
Get Host Liability Insurance Airbnb Properties Need
Protect your guests, your property and your peace of mind with insurance made for Airbnb hosts. Get a quote through Tivly.
Last Updated: January 27, 2026
2 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
3 Risk & Insurance, "Water Damage Claims Continue To Drive Non-CAT Property Losses,” viewed in June 2025.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed in June 2025.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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