「AirCover 四海无忧（房东版）」运作方式

对于每笔住宿订单，「AirCover 四海无忧（房东版）」都会自始至终提供全面保障，其中包括房客身份认证、订单筛查、100 万美元的房东责任险、300 万美元的房东财产保障金，以及对房源范围内的贵重物品、停放的汽车和船舶的保障。

互信是爱彼迎社区的根基。因此，所有预订行程的房客都必须完成我们的身份认证流程。认证房客身份时，我们会核实某些个人信息，例如法定姓名、地址、电话号码或其他联系方式。

房客通过身份认证后，将获得身份认证徽章。身份认证徽章将以红色徽章的形式显示在爱彼迎平台各处，你的个人头像旁将出现对勾图标。此外，我们可能会对居住在美国的房客进行背景调查。

进一步了解房客身份认证

我们关于扰民行为的政策禁止未经允许举办扰民派对。我们使用专有的订单筛查技术来执行该政策，减少举办扰民派对的可能性。

系统会根据一系列因素来确定订单是否应被屏蔽，包括所预订房源的类型、住宿晚数、房源与房客所在位置之间的距离、是否为临时预订等。

进一步了解订单筛查技术

十多年来，爱彼迎为房东提供了行业领先的房东财产保障金。房东财产保障金是「AirCover 四海无忧（房东版）」的一部分。如果房客在入住期间对你的房源或财产造成损坏且对此不予赔付，房东财产保障金将提供以下保障：

• 300 万美元的房东财产保障金：涵盖房源和房源内的物品。
• 艺术品和贵重物品保障：我们针对艺术品、珠宝和收藏品提供保障，如有损坏，可予补偿。
• 汽车和船舶保障：我们为你停放或存放在房源的汽车、船舶及其他水上交通运输工具提供损坏保障。
• 宠物致损保障：别担心！我们会补偿这些毛孩子造成的损失。
• 深度清洁：如果房源需要超常规清洁服务才能去除污渍和烟味，我们将提供补偿。
• 收入损失保障：如果你因房客造成的损坏而取消已确认的爱彼迎订单，我们会补偿你的收入损失。
• 24 小时安全热线：无论何时，如果你感觉不安全，都可以通过我们的 App 一键联系经过专门培训的安全专员。

如果房客对你的房源或财产造成损坏，你（或代你管理房源并拥有完整权限的房屋管家）可以访问调解中心提交补偿申请，申请流程只需简单几步，还可以轻松跟踪从申请提交到款项发放的整个过程。首先，系统会将你的申请发送给房客。如果房客未能在 24 小时内回复或付款，你可以要求爱彼迎介入处理。（房源位于美国华盛顿州以外地区的）超赞房东可享优先处理待遇，更快获得补偿。

房东责任险是「AirCover 四海无忧（房东版）」的一部分。如果发生房客在入住房源期间受伤、财产受损或财产被盗的罕见情况，房东责任险可为你提供保障。房屋管家和清洁人员等协助你出租房源的人员也在保障范围内。

如果你被认定对以下情况负有法律责任，房东责任险将为你提供保障：

• 房客（或其他人）受到人身伤害
• 房客（或其他人）的财产受损或被盗
• 房客（或其他人）造成公共区域（如建筑物大堂）和邻近房屋受损

如需提出索赔申请，只需填写责任险登记表即可。我们会将你提供的信息发送至我们信赖的第三方保险公司，该公司会指派专人处理你的索赔。他们会根据保单条款处理索赔。

如果你是体验达人，体验责任险将为你提供保障。

进一步了解房东责任险

Similar to how you’re covered by Host liability insurance through AirCover for Hosts, service hosts are covered by Airbnb’s Experiences & Services liability insurance. All service hosts are also required to maintain liability insurance appropriate for their business while providing a service.

When Airbnb Services take place in your home, Experiences & Services liability insurance applies if the service host is responsible for damaging your home or belongings.

Get more details about Experiences & Services liability insurance.

AirCover for Hosts’ Host damage protection, Host liability insurance, and Experiences & Services liability insurance don’t cover hosts who offer stays or experiences in Japan, where Japan Host Insurance and Japan Experience Protection Insurance apply, or hosts who offer stays through Airbnb Travel LLC. Keep in mind that all coverage limits are shown in USD.

Host liability insurance and Experiences & Services liability insurance are underwritten by third-party insurers. If you’re hosting homes, experiences, or services in the UK, the Host liability and Experiences & Services liability insurance policies are underwritten by Zurich Insurance Company Ltd., and arranged and concluded at no additional cost for UK hosts by Airbnb UK Services Limited, an appointed representative of Aon UK Limited, who are authorized and regulated by the Financial Conduct Authority. Aon’s FCA register number is 310451. You can check this by visiting the Financial Services Register or contacting the FCA at 0800 111 6768. The Host liability and Experiences & Services liability policies within AirCover for Hosts are regulated by the Financial Conduct Authority, the remaining products and services are not regulated products arranged by Airbnb UK Services Limited. FPAFF609LC

In the EU, these policies have been arranged and concluded at no additional cost for the benefit of EU hosts by Airbnb Marketing Services SLU, an external collaborator of Aon Iberia Correduría de Seguros y Reaseguros, SAU, which is authorized and regulated by Autoridad de Control de la Dirección General de Seguros y Fondos de Pensiones, registered by the serial number of J0170.

Aon Iberia Correduría de Seguros y Reaseguros SAU is acting as intermediary for the EU, participating in the distribution of insurance in EU countries under the freedom of services regime to provide services under the Spanish Insurance Distribution Law, the Insurance Distribution Directive, and other legal or regulatory provisions. Without prejudice to the authority of the host country where insurance distribution services are provided, the member state responsible for the supervision of Aon is the Kingdom of Spain and the Supervisory Authority, the General Directorate of Insurance and Pension Funds, at Paseo de la Castellana 44, 28046 – Madrid.

Host damage protection isn’t insurance and isn’t related to Host liability insurance. For listings in Washington state, Airbnb’s contractual obligations under Host damage protection are covered by an insurance policy purchased by Airbnb. For hosts whose country of residence or establishment is outside of Australia, these Host Damage Protection Terms apply. For hosts whose country of residence or establishment is within Australia, Host damage protection is subject to the Host Damage Protection Terms for Australian Users.

Information contained in this article may have changed since publication.