Many factors affect the cost of Airbnb insurance, including:

  • Size – larger properties, such as listed homes, attract higher premiums from insurers than smaller properties.
  • Age – insurers are more cautious about older properties.
  • Contents – high-value items inside your property may push up your premium.
  • Value and rebuild cost – as with residential home insurance, properties with a larger footprint tend to reflect higher premiums. The cost of rebuilding your property is factored in, too. Therefore, your premiums could be higher if your property is constructed with rare or expensive construction materials.