Exclusion

An endorsement is an amendment to an insurance policy that adds, removes, or changes coverage — adding pet damage coverage, extending liability to a new property, or naming an additional insured. It is also called a rider.

A homeowners policy is standard residential insurance for an owner-occupied home. Most homeowners policies exclude commercial activity, so they do not cover claims arising from short-term rentals — one of the largest coverage gaps in the vacation rental industry.

AirCover for Hosts is Airbnb's platform protection program for hosts, combining Host damage protection and Host liability insurance for stays booked on Airbnb. It is a platform benefit administered by Airbnb, not a policy the host owns, and it applies only to Airbnb reservations.

Event liability insurance covers third-party bodily injury and property damage arising from an organized gathering — a wedding, retreat, or party — at a vacation rental, at limits selected for the event. It fills the gap left by host policies and platform protection, which typically exclude events.

Care, custody or control is an exclusion in general liability policies: the policy does not pay for damage to property that is in the insured's care, custody or control, such as a home a property manager operates on an owner's behalf or a guest's belongings left in it. Damage to that property has to be covered by a property policy, a damage program or a specific endorsement.