Does airbnb cover cost from someone breaking in to your apartment?

Airbnb provides a Host Guarantee and a Host Protection Insurance program to help protect hosts in certain situations, but coverage for theft by external individuals not included in your reservation can be complex and may depend on the specific circumstances. Here are some key points to consider:

1. Host Guarantee: Airbnb offers a Host Guarantee that may cover damage or theft of your property by a guest up to a certain amount. However, this coverage is typically limited to damages caused by the guest who booked your property, and it may not extend to theft by external individuals.
2. Host Protection Insurance: Airbnb also provides Host Protection Insurance, which can offer liability coverage for hosts in case a guest or their invitees (people the guest allows onto the property) experience an injury or accident. It does not typically cover theft by external individuals.
3. Security Measures: Airbnb advises hosts to take security measures, such as installing locks, using secure key exchanges, and safeguarding valuables. These precautions can help reduce the risk of theft or damage.
4. Police Report: If theft occurs during a guest’s stay and you suspect an external person was involved, you should report the incident to the local authorities and obtain a police report. Airbnb may request a copy of the report as part of their investigation.
5. Contact Airbnb: In case of theft or damage, contact Airbnb’s customer support as soon as possible to report the incident and provide any relevant information and documentation.

It’s important to note that Airbnb’s policies and coverage can change over time, and the specific terms and conditions of the Host Guarantee and Host Protection Insurance may vary based on your location. Therefore, it’s crucial to review Airbnb’s official policies and guidelines and consult with Airbnb’s support team for the most up-to-date and accurate information regarding coverage for theft or damage by external individuals.

Additionally, hosts may consider supplementing their protection with their own insurance policies, such as homeowner’s insurance or renter’s insurance, to provide additional coverage for theft and damages. Be sure to check with your insurance provider to understand the extent of coverage provided.