AirCover is your safety net, not a silver bullet. To get the most out of Airbnb’s Host Damage Protection, host’s need to play smart, stay proactive, and keep things simple yet effective.
This guide will show you how to maximize reimbursements and minimize headaches with clear, actionable strategies for Airbnb host protection.
1. Plan Ahead: Maximize Airbnb Host Protection Success
Before damage ever happens, prepare like a pro:
- Keep thorough records of your property and items:
- Document Everything. Take detailed photos and videos of your space and furnishings before each booking. Use timestamps for added credibility.
- Maintain a clear list of high-value items, including receipts and purchase dates.
- Establish clear house rules:
- Prohibit smoking, parties, or unauthorized pets if they pose a risk.
- Clearly outline guest behavior expectations - it’s your reference point in disputes.
2. Understand the Fine Print of AirCover for Airbnb Hosts
Success starts with understanding AirCover’s terms - you gotta know the rules before you play the game.
- What’s covered? Physical damage, some cleaning costs, and guest- or pet-related losses.
- What’s not covered? Normal wear and tear, cash, fine art, animals, or damages outside the booking period.
Pro tip: Bookmark The Host Report’s Guide to AirCover’s Fine Print for easy reference.
3. Take Swift Action After Damage Occurs
Act quickly and efficiently after damage occurs to maximize Airbnb AirCover reimbursement.
- Inspect your property immediately after guest checkout.
- Document any damage thoroughly with photos and videos.
- Be specific: Include close-ups of damage, wide-angle shots for context, and evidence of the item's condition before the stay.
- Notify the guest immediately through Airbnb’s messaging system.
- Politely request payment for damages using Airbnb’s Resolution Center.
- Keep communication polite and professional as it can serve as evidence for your claim.
When things go south, speed and precision matter.
4. File your Airbnb Claim Quickly and Accurately
Don’t procrastinate - it could cost you:
- Submit your claim within the 14-day window or before the next guest checks in (whichever comes first).
- Use Airbnb’s Host Damage Protection Payment Request Form for formal submissions.
- Include all required documentation
- Photos and videos of damage.
- Receipts, invoices, or proof of the item’s original cost.
- Repair estimates or incident reports.
5. Avoid Common Pitfalls
Many hosts lose out on reimbursements due to avoidable errors.
- Provide a professional incident report if required
- If Airbnb asks for an incident report from a professional repair company, call a local technician or contractor.
- Ensure the report is on official letterhead with clear descriptions of the damage and repair cost.
- Complete Documentation
- Airbnb rejects incomplete claims, so double-check your submission before hitting send.
6. Proactively Handle Rural or Remote Property Challenges
- Prepare ahead of time
- Research local service providers who can create incident reports and repair estimates quickly.
- Keep their contact information handy for emergencies.
- Highlight logistical issues to Airbnb
- If repairs take longer due to your location, communicate this clearly in your claim. Airbnb may consider reasonable delays.
7. Maximize Reimbursements with Detailed Evidence
When it comes to claims, details win the game:
- Emphasize the replacement value
- Claims may only cover “depreciated” value, so provide strong evidence of the item’s worth (e.g., recent receipts, purchase dates).
- Appeal rejected claims
- If Airbnb denies your claim, politely but firmly appeal the decision. Provide additional evidence or clarification as needed.
Proactive Maintenance for Long-Term Protection
- Invest in durable furnishings: Use sturdy, easy-to-replace items to minimize disputes over wear and tear.
- Build an emergency fund: Keep savings for small repairs or costs not covered by AirCover, such as service calls.
- Additional Insurance: AirCover isn’t comprehensive. Landlord or vacation rental / short term rental insurance can fill coverage gaps.
Mindset Tips
- Think of AirCover as a backup plan, not your primary safety net.
- Stay persistent but professional—tenacity pays off.
- Nail your documentation the first time to avoid back-and-forth.
By taking these steps, you’ll protect your property, minimize stress, and position yourself for fair reimbursement when the unexpected happens.
