專為業者提供的 AirCover 如何運作？

專為 Airbnb 房東提供的 AirCover 讓你在每次出租時都能享有全程保障，保障範圍包括房客身分驗證、預訂篩選、100 萬美元房東責任險、300 萬美元財產損壞保障，並且房源內的貴重物品、汽車和帆船遊艇也納入保障範圍。

信任是 Airbnb 社區的根基，正因如此，所有預訂的房客都必須完成身分驗證流程。驗證房客的身分時，我們會驗證某些個人資料，例如法定姓名、地址、電話號碼或其他聯絡方式。

房客通過驗證後，將會獲得「身分已驗證」的紅色徽章，該徽章和打勾符號會在房客的個人相片旁顯示。此外，我們可能會對住在美國的房客進行背景調查。

進一步了解房客身分驗證

Airbnb 的《社區干擾政策》禁止未經許可舉辦喧鬧派對。我們使用專有預訂篩選技術以落實該政策，並協助房東避開可能舉辦喧鬧派對的預訂。

系統會根據多項因素來決定是否封鎖該預訂，包括所預訂的房源類型、住宿天數、房源與房客所在地之間的距離、是否為臨時預訂等。

進一步了解預訂篩選技術

過去十幾年來，Airbnb 的房東保障計畫處於業界領先地位。若房客在住宿期間損壞房源或財產且拒絕賠償，專為房東提供的 AirCover 涵蓋的房東財產損壞保障會提供以下保障：

• 300 萬美元財產損壞保障：涵蓋房源和房源內的財產。
• 藝術品和貴重物品保障：我們針對藝術品、珠寶和收藏品提供保障，如有損壞，可能可獲得補償。
• 汽車和帆船遊艇保障：我們為房源內的汽車、帆船遊艇和其他水上交通工具提供損壞保障。
• 寵物損壞保障：毛小孩造成的損壞也在保障範圍內。
• 深度清潔：如果因為汙漬與菸味而需要額外的清潔服務，我們會予以補償。
• 收入損失保障：若因為房客造成的損壞而須取消已確認的預訂，我們會針對你損失的收入提供補償。
• 24 小時安全專線：如果你感到不安，只要輕點一下應用程式，就能聯絡受過專門培訓的安全團隊專員。

如果房客造成房源或財產損壞，你（或代你管理並擁有所有權限的房東搭檔）只要到協調中心完成幾個簡單的步驟，即可送出補償申請。接著，就可以輕鬆追蹤後續流程。首先，我們會將你的申請傳送給房客。如果房客沒有在 24 小時內回覆或付款，你可以請 Airbnb 介入處理。超讚房東（房源必須位於美國華盛頓州以外）的申請會優先受理，並更快獲得補償。

若房客在住宿期間受傷、遇到財物損壞或遭竊等罕見情況，專為房東提供的 AirCover 涵蓋的房東責任險可為你提供保障。房東搭檔和清潔人員等協助你出租的人員也在保障範圍內。

若你因為以下事項須負上法律責任，房東責任險會為你提供保障：

• 房客（或他人）受到人身傷害
• 房客（或他人）的財物受損或遭竊
• 房客（或他人）損壞公共區域，如大樓大廳和附近的物業範圍

若要申請理賠，只須填寫我們的責任險理賠申請書即可。我們會將你提供的資訊傳送給我們信賴的第三方保險公司，對方會指派理賠專員處理你的申請。保險公司會根據保單條款處理你的理賠申請。

如果你是體驗達人，我們的體驗責任險將會提供保障。

進一步了解房東責任險

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.