Permit application with local government is requesting proof of insurance from Airbnb.

[Jarred25]

Does anyone know where I can find this? The aircover and host liability links do not suffice. They want something with the listing address/name.

[Helen3]

If you Google short term rental insurance details of those providing it should come up or you could ask for recommendations on your local airbnb host group on FB @Jarred25 

[Shelley159]

Hi @Jarred25 

I don't know your local requirements, but as @Helen3 says, they probably want to see insurance that you took out specifically for your listing from a third party. Aircover is likely not sufficient for this kind of application.

[Joan2709]

@Jarred25 

As @Shelley159 mentions, it depends on where the listing is located and what your local requirements are. I always recommend Hosts get their own STR insurance coverage and not rely on Airbnb. Aircover is NOT insurance (except its administered by an insurance company in Washington state only) and only covers guest damages. There are also many exclusions if you read the fine print.

Aircover for Hosts and Your Personal Insurance

https://www.airbnb.com/help/article/3142

...While AirCover for Hosts protects you while you’re hosting an Airbnb stay or Experience, it’s not a substitute for personal insurance. You may also be required by law to maintain certain auto insurance, which would not be satisfied by AirCover for Hosts. Since everyone’s situation is different you should talk to your insurer to see how, or if, your policy overlaps with AirCover for Hosts..."

Liability Coverage for Hosts

https://www.airbnb.com/help/article/937/

The liability coverage is an insurance policy, but only covers if a guest is injured. That said, since Aircover is not an insurance policy, you most likely won't receive a copy of any "policy" as there isn't one. I believe Airbnb uses Generali for liability, but have read that some Hosts were never able to get proof of coverage for an individual listing from Airbnb (probably as Airbnb is the listed insured).

STR insurance is usually more expensive and that's why many Hosts don't obtain it, but it's risky to not have it. Many states and local jurisdictions either require, or are starting to require at least a separate policy with 1MM liability coverage in order to obtain local licensing and permits (they won't accept Airbnb's blanket liability policy). 

In the USA, I have seen several companies mentioned that offer STR insurance. Remember, STR is NOT typical Landlord Insurance and a Homeowner's policy will not cover commerical activity (like Airbnb) on the premises. @Helen3 mentioned several ways to determine what other Hosts are doing in your area. You can also speak with an independent insurance broker who can help you.

Here are some insurance companies I have heard that offer STR insurance in the USA:

1. Proper (most expensive but most comprehensive - doesn't cover stays more than 30days)

2. CBIZ

3. State Farm

4. Farmers (thru Foremost)

5. Steadily