A New Safety Net for Your Hosting Income
Opening your doors to travelers is a fantastic way to boost your bank account. In fact, typical hosts across the United States brought in more than $15,500 last year alone. But what happens when an unexpected crisis, like a severe winter blizzard or a sudden local emergency, forces you to pause your operations?
To help you navigate these sudden interruptions, a fresh, optional coverage plan called Earnings Protection has just been launched. Created in partnership with Airbnb and MIC Global, this initiative acts as a supplemental financial buffer when external factors keep you from welcoming guests.
How Customized Coverage Works for You
Every property is completely unique, which is why a cookie-cutter approach to insurance simply does not work. Instead of generic policies, this program calculates your specific payout based on your property's historical average earnings.
This tailored structure ensures you receive the exact level of support you need right when times get tough. It works hand-in-hand with AirCover, the complimentary protection program already built into your account, giving you an even stronger layer of security.
Are You Eligible for Earnings Protection?
Currently, this program is active in 45 states, with plans to cover the entire country by early 2027. To qualify for this new program, you must meet a few specific requirements:
- You must own or manage 5 or fewer listings, with at least 50 booked nights on a listing over the past year.
- Your properties must be located in the US, excluding Indiana, Maine, Missouri, New Jersey, and New York.
- You need to have direct deposit (ACH) set up as your payout method, with your currency configured in USD.
- Your very first guest reservation must have occurred at least one year ago.
This program utilizes parametric insurance models to deliver rapid, real-time payouts. Eligible hosts can view their customized quotes today directly within their account dashboard.
Frequently Asked Questions
What is Airbnb Earnings Protection?
It is an optional, paid insurance product designed to cover lost income when unexpected external events, such as extreme weather or local emergencies, prevent you from hosting.
Where is this program currently available?
The program is currently available to eligible hosts in 45 US states, with full expansion to all 50 states projected for early 2027.
How is my payout amount calculated?
Instead of a flat rate, your payout is uniquely tailored to your listing and is calculated using your historical average earnings.
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