Get paid with Earnings Protection
when you’re unable to host

Your listing may be eligible if you:

• Have 15 or fewer listings, with over 50 nights reserved on a listing in the past year.
• Live in the US, with a listing in any state but Indiana, Maine, Missouri, New Jersey, and New York.
• Add ACH (direct deposit) as one of your payout methods, with your currency set to USD.
• Hosted your first reservation at least one year ago.

The available payout is set for each listing based on its average monthly earnings over the past year. To calculate a base coverage amount, the listing’s total earnings over the last 12 months are divided by 12, then rounded to the nearest whole number.

Earnings Protection doesn’t have a deductible, and each time a claim is approved you’ll get your full payout.

The annual policy provides full coverage from day one of your term, even if you’re paying monthly.

You’ll submit an Earnings Protection claim by completing a short form about the covered event. If a severe natural disaster is reported by one of the data providers named in the policy, a claim will be started for you.

When you file a claim, you’ll need to submit evidence, such as photos of damage or documentation of road closures. A third-party insurance adjuster may contact you for additional details before your claim is approved. After your claim is approved, you’ll also complete a short form confirming your loss to receive your payout.

Earnings Protection is insurance for your income, so it can work alongside other policies. For example, if you have a separate plan that covers property damage, claiming unexpected damages under that plan won’t conflict with an Earnings Protection claim.

Since everyone’s situation is different, talk with your insurer to see how, or if, a policy overlaps with Earnings Protection insurance.

Host damage protection under AirCover for Hosts provides protection every time you welcome guests. It’s not insurance, but rather a guarantee that generally reimburses you for damage caused by guests to things like your home, furnishings, or belongings if the responsible guest doesn’t pay for the damage.

Earnings Protection is insurance that covers lost income if you can’t host because of a covered event, which includes damage caused by guests that’ll take at least 4 days to repair. Even if you have no upcoming bookings, you can claim your Earnings Protection payout, as long as you confirm lost income by completing a short form.

You’ll see the dates for your one-year policy term on the checkout page. Coverage starts the day after you purchase the policy.

Earnings Protection won’t cover issues that you knew about or events that started before the policy purchase date. For example, property damage or any other qualifying event that happens before your policy’s start date will not be covered.