How much money are you losing from unprotected guest damage?
Most Airbnb hosts underestimate denied AirCover claims, undocumented damages, and operational gaps. This calculator estimates your real annual exposure in 90 seconds.
Tell us about your portfolio
We use these to estimate your revenue baseline and damage exposure model.
Portfolio basics
What percentage of nights per year your property is booked
Property type
Stay patterns
Management & location
Different locations have different damage risk profiles
Why most hosts underestimate their damage exposure
AirCover is not insurance. It is a host damage protection program with documented exclusions, strict timelines, and evidence requirements that reject most claims for procedural reasons rather than coverage gaps.
The single biggest predictor of a successful damage claim is the quality of your documentation before the damage occurred. Hosts who document property condition between every stay win disputes that hosts with reactive-only documentation lose.
In April 2026, Airbnb introduced a "Legitimate and Verifiable Evidence" standard that explicitly rejects AI-enhanced or AI-generated photos. Most hosts do not realize that running a phone photo through a brightness or sharpness filter could now disqualify it as evidence.
EXIF metadata — the timestamp and GPS data baked into original camera files — is stripped when photos are shared via WhatsApp, Google Photos, or social messaging apps. By the time you upload an "original" photo to AirCover, it may already lack the metadata a claims reviewer is looking for.
This calculator estimates your real exposure across direct losses (denied claims, replacements, downtime), indirect losses (review damage, operational time), and compound losses (3-year projected impact of unfixed gaps).