Airbnb Host Damage & Liability Coverage up to $1M

Made for hosts, by hosts · Free host protection platform

    Protect every stay — before guests ever get the door code.

DAMAGE & LIABILITY PROTECTION UP TO $1 MILLION

Booking platforms don’t care who goes on your property as long as they get their fee. We do. On Airbnb, mystery guests get the door code whether you like it or not. On Vrbo, Booking.com and direct, you can still screen, and we do it all. Either way, every stay is covered.

★★★★★ Trustpilot ★★★★★ Capterra

"I want to take a minute to thank Happy Guest.

Today thanks to Happy Guest and their ID verification I stopped a convicted burglar with aggravated assault charges from entering my million dollar property!

Thank you Happy Guest!"

Leigh, hospitable, owner, operator

EVERY GUEST, EVERY RESERVATION, EVERY TIME

Protect every reservation

🛡️
Damage & liability protection
Up to $1M on every stay
💳
Security deposits
Held before check-in
📝
Rental agreements
On file before check-in
🪪
Guest ID verified
You know who's coming
🔎
Sex offender background checks
Required by many US municipalities
💸
Upsells presented
Add revenue: early check-in, add-ons
🚪
Door code released
On your schedule

It only takes one booking.

Only one scammer.

And it’s all over.

Guess how many more travel scams AI is unleashing…

500%

Booking.com reported a 500–900% surge in travel scams in just 18 months — driven by AI tools.

Booking.com · International Travel & Health Insurance Journal

Of all US credit card fraud, guess how much is hospitality?

55%

Up to 55% of all US credit card fraud happens in hospitality.

American Hotel & Lodging Association · cited in Hotel News Now, 2019

Guess your average damage bill for a trashed party?

$15,000

Hosts report $5,000 to $25,000+ in party damage — before legal fees and lost revenue.

Lodgify Unauthorized Parties Survey · 170+ hosts, 2023

And finally — guess how likely your damage claim gets denied or reduced…

43.25%

Womp womp. One analysis of 20K+ bookings found a damage-claim approval rate of just 56.75%.

Avada Properties · 2024 dataset of 20,000+ bookings

↓
Stop leaving yourself open to liability when the big accident happens.
↓
Stop giving strangers the door code unprotected.
↓
Stop fighting chargebacks with zero proof to win.
↓
Stop dragging guests into your damage claims.
↓
Stop betting your entire livelihood on blind trust.

★★★★★ Trustpilot ★★★★★ Capterra

"They thought of everything and they do most of the onboarding for you!!"

YULIA, OWNERREZ USER, OWNER / OPERATOR

Protection that pays for itself — and can pay you.

Pop your email in and we'll show you the calendar.

No Per-Property Fees No Credit Card

Protecting a reservation with Happy Guest changes the whole story.

You don’t have to leave this to chance. We make the whole thing automatic.

Every stay is covered for damage and liability, up to $1 Million. No deductible on damage, no Airbnb in the middle, and your own insurance stays clean. And on Vrbo, Booking.com and direct bookings, you also get a government-issued ID and a signed agreement on file, so you’ve got the proof to win a chargeback and make your case anywhere.

THE WAIVER’S SECRET WEAPON

Protection that pays for itself

— and can pay you.

Your management company can set a markup on damage waivers and retain that markup as your own revenue.

See what an extra $25 per protected stay can become.

50
reservations / month
→
$1,250
added revenue / month
100
reservations / month
→
$2,500
added revenue / month
250
reservations / month
→
$6,250
added revenue / month
500
reservations / month
→
$12,500
added revenue / month
1,000
reservations / month
→
$25,000
added revenue / month

HOW IT WORKS

Your last line of defense.

Whether you have a rental agreement or not.
Whether you have an ID check or not.
Whether you have a security deposit or not.

When the guest is already inside and something goes wrong, none of that saves you. Coverage does. Damage and liability, up to $1 Million, on every stay.

Guest broke the sofa? Covered, with no deductible on damage.
Guest gets hurt? Have peace of mind with host liability up to $1 Million.
Guest swears they didn’t do it? Doesn’t matter. File the claim without them.

Screen where you can. Protect everywhere.

01

Booked

The reservation syncs from your PMS or OTA, and protection locks in automatically.

02

Before check-in

Security deposit held, or a damage waiver that earns you money. Plus agreements and IDs wherever you use them.

03

During the stay

Damage and liability covered, up to $1 Million. Whoever walks in.

04

Something breaks

File the claim without the guest. No chasing, no begging, no middleman.

05

You're covered

No deductible on damage, and it works with your homeowner's insurance.

Easy claims, built right in

Claims that don’t feel like a second disaster

Something broke. You’re already having a bad day. Filing the claim shouldn’t make it worse.

We’re the only platform with claims built right in. One short, guided form, already filled in from the reservation. Talk directly with the coverage provider inside your Happy Guest portal. Payments sync automatically.

No guest to chase. No platform deciding what counts. No paperwork marathon.

★★★★★ Trustpilot ★★★★★ Capterra

See how every stay gets protected, up to $1 Million

"It's added another level of protection and security for our properties — and puts us in a better position to scale." — Verified host, Trustpilot

Tier 1 · Entry-level · All bookings

Starter

Guests submit a government-issued ID before check-in details release. Stored securely and tied to the reservation — available if a claim or dispute ever needs support. Reservations are covered for $1,500 in damage.

Guest IDs $1,500 Coverage

Tier 2 · Damage + liability

Pro

Goes a step further — guests are verified against the document in real time, confirming the ID belongs to the person checking in. $5,000 in damage protection, $300,000 in host liability and $300,000 in real property coverage on every booking, plus bed bugs up to $5,000. You also get a custom web domain.

ID Verification $5,000 Damage $300K Liability $300K Real Property $5K Bed Bugs Branded Domain

Tier 3 · Recommended · Full $1M protection

Premier

Everything in identity verification, plus a Federal Sex Offender Registry screening before the guest is granted access. $20,000 in damage protection, $1 Million in host liability and $1 Million in real property coverage on every booking, plus bed bugs up to $15,000. Plus a custom-branded theme.

ID Verification Sex Offender Verification $20,000 Damage $1M Liability $1M Real Property $15K Bed Bugs Branded Domain Branded Color Theme

Wait — Is it actually free? Yes.
Here’s why:

1
The platform is free
Every feature, no per-property fees, forever.
2
Protection can cost you nothing
Let guests choose: a damage waiver or a security hold. Either way, every stay is protected, and you pay $0.
3
The full $1M costs less than one bad night
Damage and liability coverage on every single reservation. Less than a broken TV. Less than a canceled booking. Way less than a lawsuit.
4
Turn protection into company revenue
Your management company sets the waiver markup and retains that revenue. The home receives more protection, the guest gets a deposit-free option, and your company creates revenue.