Airbnb Accidents in New Jersey | What to Know

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As summer approaches, many of us will begin planning trips. If you find yourself staying in an Airbnb, it is important to know about Airbnb’s insurance policy and what to do if an accident occurs. Read on to learn more about Airbnb accidents in New Jersey.

What is Airbnb’s Host Protection Insurance

Airbnb understands that accidents happen. As a result, Airbnb has its own insurance policy– Host Protection Insurance. This policy has been put in place so that if an accident does occur, Airbnb will be responsible, rather than the individual host. Airbnb is willing to pay up to $1 million in damages. However, there are some circumstances that will not be covered by Airbnb. The following is excluded from Airbnb’s insurance coverage:

  • Intentional acts, such as a guest fighting with another person and sustaining an injury
  • Accusations of slander or defamation of character
  • Property issues, such as bed bugs, asbestos, communicable diseases, or certain other unsafe living conditions
  • Auto accidents, such as car accidents occurring on the premises

Fulfilling the burden of proof:

If you are injured due to another party’s negligence, you may be entitled to recover compensation. But, in order to recover the compensation you deserve, you will have to provide proof of negligence. In order to do so, it is important to take the following steps:

  • Call 911
    • The police can send an ambulance, file an accident report, and more.
  • Seek medical attention
    • Be sure to visit a hospital, your doctor, or an urgent care facility immediately after the accident occurs. This will ensure that your injuries receive proper treatment while simultaneously providing you with the origin and extent of your injuries. Ask your doctor for a copy of any relevant medical documents.
  • Document the scene
    • While waiting for the ambulance to arrive, it is important to take pictures and videos of the hazardous conditions that caused your accident to occur.
  • Obtain witness contacts
    • If anyone saw your accident occur, they may be able to provide important witness testimony.
  • Contact an attorney
    • In New Jersey, you will typically have two years from the date of the accident to file a claim. This deadline is known as a statute of limitations. Failing to file within two years will generally mean losing your opportunity to recover the compensation you need and deserve. Reach out to an attorney right away to avoid missing any important deadlines.

If you have any questions or concerns, reach out to our firm today.


Retaining an attorney after an injury-causing accident is the most effective way to ensure that you receive the compensation to which you are legally entitled. To learn more about how we can help you, call the Wilton Law Firm today at 732-275-9555 or contact us online.