AirCover

[Cindy78]

Will AirCover Cover me?  I'm located in Belize and am required to have a minimal liability policy.

[Mike-And-Jane0]

@Cindy78 who requires you to have liability insurance? The one thing you won't get via Airbnb is to be named on the policy so it will not be any use in many circumstances.

[Fred13]

In Belize Liability Insurance is required if you are a tour operator, but not a lodging operator.  If near water, 'Swim at Your Own Risk' signs are a good idea to have on your lodging property.

Oftentimes in some countries (non U.S. of course), the best question is the one not asked as not to open closed Pandora boxes.  

[Owen235]

Read the forums, Aircover doesn't even cover damages for hosts in the US. Hosts suffer damages into the thousands and Airbnb seems to offer pennies on the dollar. Be careful. 

[Elaine701]

We are required by law to have liability insurance for our villa. Our provider ("Linea Directa", aka "Direct Line" in English) has a policy specially designed to meet all legal requirements for STRs here in the Balearic islands. Actually, it exceeds the base legal requirement as it also includes theft, fire, storm, earthquake, and [major] guest damage. It won't pay for petty damages though, such as ruined bedding.