🏡✨ Airbnb 房東必看：最安全的 3 種保險選擇 × 保費示例 × 風險比較表
🏡 為什麼 Airbnb 房東需要額外的保險？
許多 Airbnb 房東一開始都會以為：
- 「我已經有自住房保險（HO-3），應該就夠了吧？」
- 「Airbnb 有提供 AirCover，看起來像保險，應該沒問題。」
- 「我只是偶爾租一下，出事的機率應該很低。」
關鍵現實是：在保險公司眼中，短期出租（短租）屬於商業行為（commercial activity），標準的自住房保單 HO-3 並不會自動涵蓋 Airbnb 的風險。
同時，Airbnb 提供的 AirCover 並不是一張真正的保險保單：
- 不是保險公司核保、沒有 A.M. Best 評級
- 不是州政府監管的正式保險產品
- 保障內容可以由 Airbnb 單方面修改
- 不負責你的建物「火災、水災、屋頂」等大損失
- 無法取代房東應該擁有的 HO-3、DP-3 或 Commercial 保單
因此，AirCover 可以當成「平台附加保護」，但真正保護你房子、收入和法律責任的，仍然是你自己向保險公司購買的保單。
⭐ Airbnb 房東最安全的 3 種保險選擇
以下三種，是保險業中最常用、也最被主流公司接受的 Airbnb 房東保險做法：
- HO-3 ＋ Home-Sharing Endorsement（自住＋偶爾短租）
- DP-3 ＋ Short-Term Rental Endorsement（非自住＋部分短租）
- Commercial STR（全職短租的商業保險）
① HO-3 ＋ Home-Sharing Endorsement（適用：自住、偶爾短租的房東）
這一種適用於：
- 你自己也住在這間房子裡（owner-occupied）
- 只是把其中一間房、樓層、或 ADU 拿出來做短租
- 出租頻率屬於「偶爾」或「部分時間」，不是全年 365 天滿租
🔍 什麼是 ADU？（Accessory Dwelling Unit）
ADU 是「附屬住宅單位」，簡單來說就是主屋之外的第二個小住宅，例如後院小屋、把車庫改建成小套房、地下室獨立套房或附屬小屋。ADU 通常有獨立入口與浴室，有時也有簡易廚房，可以合法獨立出租，是加州非常常見的短租／長租空間。
HO-3 + Home-Sharing Endorsement 主要特色：
- 保險公司仍然把你的房子視為「自住房」，但加上短租附加條款
- 房客造成的室內損害，有機會在保單內獲得理賠（依條款而定）
- 房客在室內滑倒、跌倒等意外，可由 Liability 部分承接
- 部分公司會提供有限度的 Loss of Use / Loss of Rent 保障
保費示例：在原本 HO-3 基礎上，大約增加 美金 $120–$350 / 年，實際金額依州別、保險公司與房屋條件而定。
② DP-3 ＋ Short-Term Rental Endorsement（適用：非自住、部分短租的房東）
若你不住在出租物件內，而是把房子當成 second home 或投資物件，保險公司通常會要求改成 DP-3（房東保單），並加上短租相關附加條款。
適用情境：
- 你住在別的城市或別的房子裡，這間房專門用來出租
- 一年中有 2–8 個月拿來做 Airbnb / 短租
- 房子偏向「投資型物件」，不是你的主要居所
保障內容常見包含：
- 建物本身的 Replacement Cost（火災、水災等實體損害）
- 房客受傷、造成人身損害的 Liability（法律責任）
- 房客造成的破壞、惡意損壞（依條款與保險公司而定）
- 因保單理賠事故導致無法出租時的 Loss of Rent（租金損失）
- 可加購：Water Backup（排水倒灌）、Ordinance & Law（建築法規升級）、Equipment Breakdown（設備損壞）
保費示例：多數市場約落在 美金 $1,800–$3,500 / 年，依房屋所在地、屋齡、結構與風險區域而不同。
③ Commercial STR（商業短租保險，適用：全職 Airbnb 房東）
如果你的 Airbnb 已經是「事業」，而不是偶爾的小副業，保險公司通常會視為 Commercial Short-Term Rental（商業短租），需要使用 Commercial 保單處理。
適用情境：
- 一年大部分時間都有房客入住（接近全年營運）
- 接待 6–12 人以上的大型房源，或多套房源同時操作
- 有正式的 property manager、清潔團隊、營運流程
- 你的出租型態比較像小型旅館或 mini-hotel
Commercial STR 通常可以涵蓋：
- 建物 Replacement Cost（火災、風災、水災等重大損失）
- 高額 Liability（常見 $1M–$2M）
- Theft & Vandalism（偷竊與惡意破壞）
- Water & Sewage Backup（排水、污水倒灌）
- Loss of Income（營運中斷時的收入損失）
- Building Code Upgrade（因修復而須符合新法規的額外成本）
- Equipment Breakdown（設備故障，例如 HVAC、鍋爐）
- 部分商業保單甚至包含 Bed Bugs（床蝨）
保費示例：多數地區約為 美金 $2,500–$6,500 / 年，熱門觀光區或高風險區域可能更高。
⭐ 三種選擇的風險比較表
| 項目 | HO-3 + Home Sharing | DP-3 + STR Endorsement | Commercial STR（最完整） |
| 適用對象 | 自住、偶爾短租（含 ADU） | 非自住、部分短租 | 全職 Airbnb、商業營運 |
| 建物損害（火災、水災、風災） | ✔ | ✔ | ✔✔（最高規格） |
| 房客受傷 Liability | ✔ | ✔ | ✔✔（可提高到 $2M） |
| Theft / Vandalism（偷竊／惡意破壞） | 部分公司承保 | ✔ | ✔✔ |
| 停租收入（Loss of Rent / Income） | 有限度／視公司 | ✔ | ✔✔（商業等級） |
| Sewage / Water Backup（排水倒灌） | 需加購，視公司 | 部分公司附加 | 多數商業保單可加 |
| Bed Bugs（床蝨） | ✘ 不保 | ✘ 不保 | 部分商業保單 ✔ |
⭐ 一句話總結
AirCover 不是保險；真正能保護 Airbnb 房東與房子的，是 HO-3、DP-3 或 Commercial STR 這三大類保單。
在開始當房東之前，先確認：
- 你是自住＋偶爾短租？（考慮 HO-3 + Home Sharing）
- 你是不住在物件內的房東？（考慮 DP-3 + STR Endorsement）
- 你是全職 Airbnb、已接近小型旅館？（考慮 Commercial STR）
保險的目的不是買最便宜，而是出事時真的賠得出來。
🏡✨ Airbnb Host Insurance Guide: 3 Safest Options with Premium Examples & Risk Comparison
🏡 Why Airbnb Hosts Need Additional Insurance
Many new hosts believe:
- “My HO-3 already covers my home — that should be enough.”
- “Airbnb provides AirCover, so I’m protected.”
- “I only rent occasionally, nothing serious will happen.”
In reality, short-term rentals are treated as commercial activity, and a standard HO-3 policy does NOT automatically cover Airbnb use.
On top of that, Airbnb’s AirCover is not a traditional insurance policy:
- It is not underwritten by a rated carrier
- It is not a state-regulated insurance product
- Its terms can change at any time
- It does not insure your dwelling against fire, water, or major structural damage
- It cannot replace a proper HO-3, DP-3, or Commercial STR policy
AirCover can be a useful extra layer, but it should never be your only line of defense as a host.
⭐ The 3 Safest Insurance Options for Airbnb Hosts
From an insurance perspective, most Airbnb hosting situations can be handled with one of these three structures:
- HO-3 + Home-Sharing Endorsement (owner-occupied)
- DP-3 + Short-Term Rental Endorsement (non-owner occupied)
- Commercial STR policy (full-time hosting)
① HO-3 + Home-Sharing Endorsement (For Owner-Occupied Homes)
Best for hosts who:
- Live in the home themselves (owner-occupied)
- Rent out a bedroom, a floor, or an ADU on the property
- Host on a part-time or occasional basis
🔍 What is an ADU? (Accessory Dwelling Unit)
An ADU (Accessory Dwelling Unit) is a secondary living space on the same lot as the main home — for example, a backyard cottage, garage conversion, in-law unit, or basement suite. It usually has its own entrance and bathroom, and in many parts of California can be legally rented out as a separate unit.
Typical coverage under HO-3 + home-sharing endorsement:
- Dwelling coverage remains in place for your home
- Some coverage for guest-caused damage (depending on carrier and form)
- Liability protection if a guest is injured on your property
- Limited loss-of-use coverage in certain scenarios (varies by carrier)
Premium example: Often adds about $120–$350 per year on top of a standard HO-3, depending on state, company, and risk factors.
② DP-3 + Short-Term Rental Endorsement (For Non-Owner Occupied Properties)
When you do not live in the property, insurers generally treat it as a rental or investment property and move you to a DP-3 (Dwelling Fire / Landlord) policy with a short-term rental endorsement.
Best for hosts who:
- Own a second home or vacation rental
- Do not live in the property themselves
- Use it for 2–8 months of Airbnb/STR activity per year
Typical coverage includes:
- Dwelling replacement cost for covered perils (fire, wind, certain water damage)
- Liability coverage for guest injuries
- Coverage for certain forms of guest-caused damage (carrier-dependent)
- Loss of rent when a covered claim makes the property uninhabitable
- Optional add-ons: water backup, ordinance & law, equipment breakdown
Premium example: Often in the range of $1,800–$3,500 per year, depending on location, building age, construction type, and risk area.
③ Commercial STR Policy (For Full-Time or High-Volume Hosting)
Once your hosting looks more like a business than a side gig, many carriers will require a Commercial Short-Term Rental policy.
Best for hosts who:
- Host guests year-round or close to full-time
- Operate larger homes with 6–12 guests at a time
- Manage multiple properties or run a professional STR business
- Use property managers, cleaners, and systems similar to a small hotel
Commercial STR coverage can include:
- Dwelling replacement cost with commercial-level limits
- $1M–$2M or higher liability limits
- Coverage for theft and vandalism
- Water and sewage backup
- Loss of rental income when a covered claim shuts you down
- Code upgrade expenses (to meet current building codes)
- Equipment breakdown (HVAC, boilers, etc.)
- In some policies, even bed bug-related costs
Premium example: Commonly ranges from $2,500–$6,500 per year, with higher premiums in coastal or high-risk markets.
⭐ Risk Comparison Table
| Coverage Type</ | HO-3 + Home Sharing | DP-3 + STR Endorsement | Commercial STR |
| Best For | Owner-occupied, part-time hosting (incl. ADUs) | Non-owner occupied, part-time STR | Full-time / high-volume Airbnb business |
| Dwelling Coverage (Fire/Water/Wind) | ✔ | ✔ | ✔✔ (strongest) |
| Guest Liability | ✔ | ✔ | ✔✔ (higher limits available) |
| Theft / Vandalism | Partial (varies) | ✔ | ✔✔ |
| Loss of Rent / Income | Limited / varies | ✔ | ✔✔ (business-level) |
| Sewage / Water Backup | Optional, carrier-specific | Partial or optional | Commonly available as add-on |
| Bed Bugs | ✘ Not covered | ✘ Not covered | ✔ In some commercial policies |
⭐ One-Sentence Summary
AirCover is not insurance — real protection for Airbnb hosts comes from properly structured HO-3, DP-3, or Commercial STR policies.
Before listing your place, make sure you know which category you fall into, and talk to an agent who understands short-term rental risk instead of relying solely on platform promises.