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26,000+
hosts
Protect every stay with the coverage that fits your property
Guest Damage Insurance covers contents with $0 deductible, plus pets, smoke, bed bugs, the building, and up to $1M in liability. Choose your properties and channels, and every eligible booking is insured automatically.
Available on every plan · For US-based hosts · From $26 per stay
Built into Hospitable. No extra app, no extra vendor, no back and forth.
Coverage that closes the usual gaps
$0 deductible on contents, with pets, smoke, bed bugs, the building itself, and liability covered too. Even small claims will be worth it.
Protection adjusted to the property and channel
Choose the properties and booking channels each policy applies to - Airbnb, Vrbo, Booking.com, or direct. Skip channels where you already have cover, and change it anytime.
No rental agreement, still protected
Your guests don’t have to sign anything for your home to be covered. No deposit, no ID copy, and no fixed claim window - date-stamped photos help with later claims.
Claims without the dispute
Submit a claim within Hospitable. You can attach photos that already exist on your Tasks App or upload from your device. Guests and OTAs don't need to be involved.
Estimate your price
Pay per reservation, only for stays you protect. Pick a contents limit and a stay length to see what you'd pay.
1
Contents coverage
Covers furniture, appliances and décor.
$1.5k
$3k
$5k
$10k
$25k
2
Length of stay
Short stays pay one flat price. Longer stays are priced per night.
3
nights
1
2
3
4
5
6
7
8
9
10
11
12
13
14
Not covered
Wear and tear
Theft without a police report
Guests’ own belongings
Motorized vehicles
Estimated cost for this stay
$28
per reservation
Flat rate for stays up to 5 nights
Included in every stay
Deductible
Contents
up to $3,000
$0
Real property up to $1M
$2,500
Liability up to $1M
$2,500
Bed bugs up to $15,000
$100
Linens
Included
Final cost is confirmed after check-out and added to your monthly Hospitable invoice. Nothing to pay up front.
Protection that helps pay for itself
For property managers
A fixed cost owners prefer
Pass the cost to owners as a predictable line on their statement, instead of surprise damage bills after a bad stay.
With owner’s insurance
Keep your premium down
Cover everyday damage here, raise your owner’s policy deductible, and lower its premium. Get a quote through Align Insurance Services.
For every host
Start with one property
Cover one listing or your whole portfolio. Edit coverage, properties, or channels anytime, or delete a policy in a couple of clicks.
Common questions
Is this instead of AirCover, or as well?
As well. Guest Damage Insurance is a separate product that works alongside AirCover and other booking-site protection. You choose which channels it applies to, so you can cover only Vrbo, Booking.com, or direct bookings if you prefer.
How much does it cost?
From $26 per reservation for stays of 1–5 nights with $1,500 contents coverage, up to $53 with $25,000. For stays of six nights or more, a nightly rate applies to the whole stay. The cost is finalized after check-out and added to your next monthly invoice.
Which bookings can be covered?
Eligible reservations from Airbnb, Booking.com, Vrbo, and direct bookings on the properties you select. Manual reservations and owner stays aren’t eligible. You can cover new bookings only, or include existing bookings up to the day before check-in.
How do claims work?
Open the reservation in your Inbox and select Submit claim. Describe what happened, list the damaged items with costs, and add photos, receipts, or estimates. Track progress, answer questions, and add evidence under Property protection → Claims.
Can I pass the cost on to guests or owners?
Guest Damage Insurance is host-paid and isn’t charged to guests automatically. Many hosts cover it through their cleaning or management fee, and property managers can pass it to owners as a fixed cost.
Does it replace owner’s insurance?
No. It protects individual guest stays, not the property itself. You can explore owner’s insurance through Align Insurance Services from the Property protection page — and covering small claims here can let you raise your owner’s policy deductible.
Who can get it?
Guest Damage Insurance is available on every Hospitable plan for US-based hosts.
Ready to protect your next stay?
Choose your coverage, pick properties and channels, and you’re protected from the next booking.
Available on every plan · For US-based hosts · From $26 per stay
