Japan Host Insurance

Protection for every Host. Every listing. Every time.

What's covered?

Japan Host Insurance may provide coverage of up to ¥100,000,000 JPY if property or a listing owned by the Host is damaged due to the guest’s stay. It may also provide coverage where the Host incurs liability or expenses in relation to property damage or bodily injury of the guest or third party.

Japan Host Insurance may cover:

  • Cases where the listing owned by the Host is damaged due to the guest’s stay
  • Cases where the Host is held liable for bodily injury of the guest or third party
  • Cases where the Host is held liable for property damage of the guest or third party
  • Expense coverage in cases where the Host incurs certain expenses in relation to property damage or bodily injury of the guest or third party
  • Expenses to restore property that has been stained or requires odor removal

Japan Host Insurance doesn't cover:

  • Cash and securities of the Host
  • Damage caused due to an intentional act by the Host
  • Reasonable wear and tear
  • Ordinary cleaning expenses

Insurance coverage is limited to Hosts of stays in Japan. Hosts must be licensed or otherwise permitted to conduct home sharing business in compliance with applicable law for coverage to apply. Hosts seeking payments under Japan Host Insurance agree to cooperate with Airbnb and the insurance company, including providing documentation of the claimed damage and agreeing to inspections in rare cases when it is necessary.

Certain types of property are subject to limited protections. Hosts may want to secure or remove valuables when renting their listing and consider independent insurance to cover such items.

Japan Host Insurance payments are subject to certain conditions, limitations, and exclusions. For more information, please visit the Japan Host Insurance summary page.

To request a copy of the entire insurance policy, please contact Aon Japan Ltd. and include your Airbnb account information.

How to file a claim

1. Gather evidence of damage

This may include photos, videos, estimates, and/or receipts of the items.

2. Promptly contact the guest through the Resolution Center

When prompted to choose a resolution reason, please select: “Damaged or missing items”. The guest will have an opportunity to respond. If the guest doesn’t respond within 72 hours, you can involve Airbnb for help.

3. Get reimbursed or involve Airbnb

If the guest is unwilling to pay the full amount, you may be eligible for reimbursement under Japan Host Insurance. After contacting Airbnb, a support specialist will guide you through the process.

How to file a claim in cases where the host incurs liability or other expenses

If the host incurs liability or other expenses in relation to property damage or bodily injury of the guest or a third party related to their listing, please contact Community Support. After receiving supporting documentation and information, the case will be transferred from Airbnb to a third-party insurance payment business operator.

Your questions answered

Should I have homeowners or renters insurance?

Japan Host Insurance should not be considered as a replacement or stand-in for homeowners or renters insurance. You may want to consider independent insurance to cover valuable items like jewelry, artwork, and collectibles which are subject to limited protection under Japan Host Insurance.

We strongly encourage all Hosts to review and understand the terms of their insurance policy, and what it covers and does not cover. Not all insurance plans will cover damage to or loss of household property caused by a guest who books your space.

Ready to Airbnb your place?