AirCover Exclusions Lookup
AirCover markets "$3M liability" and "damage protection" but the actual coverage has dozens of category-specific exclusions. Search your amenity, action, or scenario — see whether it is covered, conditional, or flat-out excluded before the event happens.
- Covered
Swimming pool (fenced, locked access)
Pool liability is covered only if the pool is fenced with a locking gate, and the fencing is described in the listing. Without fencing, drowning and serious injury claims are typically denied.
▸ Amenity - Not covered
Swimming pool (unfenced or open access)
Unfenced pools are a standard AirCover exclusion for liability. Drowning incidents at unfenced Airbnb pools have ended in six-figure host-paid settlements. Fix the disclosure and fencing before the next booking.
▸ Amenity - Not covered
Trampoline
Trampolines are a named exclusion in most AirCover jurisdictions. Consider supplemental STR insurance if you keep one; injuries on trampolines produce some of the highest per-incident liability claims in hospitality.
▸ Amenity - Conditional
Hot tub (with signed guest waiver)
Hot tubs are covered only if a signed guest waiver is collected before check-in. Include it in your house-rules acknowledgement or a separate digital form. Without the waiver, expect denial on any injury claim.
▸ Amenity - Not covered
Hot tub (no waiver)
Without the waiver, AirCover treats hot-tub injuries as outside coverage. This includes slips, scalds, and chemical-exposure events.
▸ Amenity - Conditional
Sauna
Generally covered under standard liability, but heat-exhaustion or burn incidents require guest-waiver language similar to hot tubs in some jurisdictions. Check your country-specific AirCover terms.
▸ Amenity - Conditional
Fire pit / outdoor BBQ
Covered for typical use. Wildfire incidents caused by guest use during fire bans are generally excluded as 'gross negligence' — verify guest complies with local fire restrictions.
▸ Amenity - Not covered
Firearms on property
Firearms on an Airbnb listing are a standard AirCover exclusion for liability. Store off-site or decline firearms-related listings.
▸ Amenity - Covered
Guest-brought dog (authorised, standard breed)
Pet damage from authorised dogs is covered under damage protection (subject to depreciation). See the pet-specific playbook.
▸ Animals - Covered
Guest-brought dog (unauthorised)
Unauthorised pets trigger the damage protection AND a separate policy-violation report. Payout is often higher than authorised cases because depreciation discount is reduced.
▸ Animals - Not covered
Restricted dog breeds (pit bull, rottweiler, doberman mix)
Many AirCover jurisdictions exclude specific breeds from liability coverage. If a guest brings one and an incident occurs, coverage may be void. Read your country's specific exclusions list.
▸ Animals - Not covered
Host's own dog / pet
AirCover does not cover incidents involving the host's own animals. Homeowner or landlord insurance applies. Disclose the animal prominently in the listing.
▸ Animals - Covered
Guest injury (slips, trips, falls)
Standard third-party bodily injury is covered up to the $3M cap, provided the hazard was not a pre-existing one the host knew about.
▸ Liability - Not covered
Co-host injury on property
Co-hosts are not third parties under AirCover. They need their own insurance — typically through a host-partnership agreement or supplemental commercial policy.
▸ Liability - Not covered
Cleaner injury while working
Cleaners and service providers are workers, not guests. Worker's compensation or contractor liability applies. AirCover does not cover.
▸ Liability - Not covered
Handyman / contractor injury
Same as cleaners — contractors on-site need their own coverage. Verify their insurance before hiring.
▸ Liability - Covered
Neighbour property damage from your listing
Covered under the $3M liability. Typical scenarios: water leak into unit below, fire spread, falling debris.
▸ Liability - Covered
Injury to passer-by from falling debris
Third-party injuries caused by the listing itself (falling roof tile, collapsing balcony) are covered under the $3M cap.
▸ Liability - Not covered
Pre-existing structural defect
Damage caused by a structural defect (leaking roof, faulty wiring, collapsing stairs) is a property-condition issue, not a liability event. Your homeowner or landlord policy handles it.
▸ Property - Not covered
Known hazard, not disclosed
If you knew about a hazard and didn't disclose it, AirCover can deny the claim and leave you personally exposed. The key test is 'knew and did not disclose' — merely overlooking is usually covered, ignoring a documented complaint is not.
▸ Property - Not covered
Normal wear and tear
Not damage — not covered. AirCover classifies items at end of expected lifespan as wear, not guest-caused damage.
▸ Property - Conditional
Gradual wear during stay
If wear occurred measurably faster than normal (e.g., heavy party use, known abuse), it may qualify. Depends on documentation.
▸ Property - Covered
Intentional damage by guest
Covered under damage protection. Police report recommended. Payout tends to be higher than accidental damage because guest responsibility is clear.
▸ Action - Covered
Theft by guest
Covered if police report is filed and proof of prior possession is submitted (photos, receipts). Without police report, most jurisdictions deny.
▸ Action - Conditional
Party / unauthorised gathering
Party damage is covered, but the violation itself needs Trust & Safety reporting separately. Noise complaints or security footage strengthen both claims.
▸ Action - Not covered
Gross negligence
If the host's own gross negligence caused the incident, AirCover denies. 'Gross' is higher bar than ordinary negligence — covers things like ignoring safety recalls.
▸ Action - Not covered
Deliberate host misrepresentation
If damage occurred because of false information in the listing (misrepresented amenities, fabricated safety features), AirCover treats as host-caused.
▸ Action - Not covered
Injury at recommended restaurant / external venue
The $3M is bounded by the listing's physical footprint. Injuries off-property — even at your recommendations — are not covered.
▸ Off-property - Not covered
Car accident en route to property
Not within the covered zone. Guest's travel insurance or personal auto applies.
▸ Off-property - Not covered
Theft at nearby beach or park
Outside property boundaries, outside AirCover.
▸ Off-property - Covered
Booking cancelled by Airbnb (weather)
Covered under Reservation Protection, NOT damage protection. 72-hour deadline to file. See the Reservation Protection article.
▸ Reservation - Covered
Booking cancelled by Airbnb (infrastructure)
Covered under Reservation Protection — sudden boiler failure, city water cut, neighbour nuisance incident. File within 72 hours.
▸ Reservation - Not covered
Guest-initiated cancellation / buyer's remorse
Standard guest cancellations are governed by your cancellation policy, not AirCover. No reservation-protection path here.
▸ Reservation - Not covered
Host-initiated cancellation
If you cancel the guest, no reimbursement. Also: cancelling in the past 90 days reduces eligibility for future Reservation Protection claims.
▸ Reservation - Not covered
Host's own cleaning time / labour
Your personal time isn't reimbursable. Only vendor invoices are.
▸ Costs - Not covered
Lost booking revenue from blocked days
AirCover doesn't cover revenue lost while the property is being repaired or deep-cleaned. Factor this into your pricing, not your claim.
▸ Costs - Covered
Professional cleaning invoice (damage-linked)
Covered if tied to a specific damage event (e.g., deep clean after pet incident). Standard turn-clean is not.
▸ Costs - Covered
Ozone treatment for smoke
Covered with ozone invoice. Strongest single piece of smoke-damage evidence.
▸ Costs - Conditional
Repainting (smoke or damage-linked)
Covered if painter invoice explicitly references the cause (smoke, guest damage). Generic 'refresh' paint jobs are not.
▸ Costs
No matches. Try a broader term — "dog" finds breed-restrictions, "cancel" finds reservation protection, "co-host" finds worker exclusions.
Why the exclusion list matters before you list
Most AirCover surprises come from hosts discovering a named exclusion after an incident. An unfenced pool, a trampoline, a dog that turns out to be on the restricted breed list — all produce six-figure personal liability events that AirCover does not touch. Scanning the exclusion list once, before the next booking, is cheaper than any supplemental insurance.
When you need supplemental coverage
If your listing features any "excluded" or "conditional" amenity in the list above — pools, trampolines, hot tubs without waivers, restricted dog breeds, multi-unit commercial setups — a dedicated short-term rental policy from providers like Proper, Safely, CBIZ (US), Pikl (UK), or equivalents in DACH/EU fills the gap. Typical pricing: €300–800 per year per property. Read more on the $3M liability cap.